How do I get a copy of my Credit Report?
We provide a service that allows you to get a copy of your personal credit report in an easy manner. Our benefits include:
Instant Access - View and print your online credit report in seconds
Credit Scores - Receive your credit score based on your data from one or all three of the three national credit repositories: Experian, TransUnion and Equifax. Lenders use credit scores to help determine the interest rates you qualify for
Credit Monitoring - Used to protect against identity theft and fraud, our monitoring service alerts you within 24 hours of any change to your credit file. Your credit file is monitored daily. To learn how to protect yourself from Identity Theft and Fraud using our service, please contact one of our specialists at 888-790-7563 (Monday through Friday 10:00am-6:00pm Eastern Time) and learn more about this important service.
When you place your order, you agree to the following:
"Under FCRA laws, any person who knowingly and willfully obtains a credit report under false pretenses (for example getting a credit report on an individual without their permission), shall be fined under title 18, United States Code, imprisoned not more than 2 years, or both."
Is ordering my credit report from TrueAssure safe?
Our website is secured by 128 bit SSL encryption technology for all personal and financial data input. Encryption is a way of coding the information in a file so that it cannot be read if it is intercepted by a third party as it travels over a network. Because we are dealing with your credit history, we take every precaution to ensure that your personal information is safe and only delivered to you. To review our website's privacy policy, click here.
Will receiving my credit report through TrueAssure appear as an inquiry on my credit report?
Getting a copy of your credit report from TrueAssure causes a soft inquiry to be placed on your credit file. Soft inquiries do not have any negative effect on your credit rating and do not affect your credit score. This inquiry will only show up on your private copy of the report, and will not be visible to lenders or creditors.
What is a credit repository?
A credit repository is a company that collects information to provide credit information about individual consumers. Credit issuers provide the repository with the information, including the individual's available credit and payment history. The repository then compiles this information, along with public record information into a file on each consumer. Credit issuers are then able to view consolidated reports about consumers seeking credit.
How do I print my report?
To print your report, use the Printer Friendly Version link while viewing your report.
Who are the three National Credit Repositories?
In the United States, there are three major credit repositories: Equifax, Experian, and TransUnion. The three repositories provide national coverage of consumer credit information. Many large, national financial institutions report consumer credit information to all three repositories; however, smaller banks and financial institutions may only report to one of the repositories, or even none. As a result, your credit report from one repository may be slightly different from another.
How to contact the Credit Repositories?
To contact one of the 3 national credit repositories, please call them at their toll-free number:
| Equifax Information Services, LLC | TransUnion, LLC | Experian Information Solutions, Inc. |
| PO Box 740241 Atlanta, GA, 30374 1-800-685-1111 |
PO Box 1000 Chester, PA, 19022 1-800-888-4213 |
P.O Box 9556 Allen, TX 75013 https://www.experian.com/rs/fi3.html |
Is TrueAssure a credit repository?
We are not a national credit repository. We are an information services company and sell credit reports, but we do not gather credit data or maintain a database of credit files. We cannot change your credit file information, as we do not own the database.
Will my spouse's name and information appear on my report?
Credit files are maintained on an individual basis, regardless of current marital status. Although joint accounts with both your name and your spouse's name may appear on your respective credit reports, you and your spouse will each have a separate and unique credit report.
Can I get a credit report on someone else?
We are not authorized to provide credit reports to anyone but the consumer.
When you place your order, you agree to the following:
"Under FCRA laws, any person who knowingly and willfully obtains a credit report under false pretenses shall be fined under title 18, United States Code, imprisoned not more than 2 years, or both."
What is a credit report?
A consumer credit report contains a record of an individual's credit payment history. Credit issuers are permitted by law to review your credit report to determine whether to extend you credit. As the millions of active credit users in the United States pay their bills, most lenders report credit payment information to the three national credit repositories, Equifax, Experian and TransUnion. Most of the information in your consumer credit report comes directly from the companies you do business with.
Why should I see my credit report?
Your credit report can have a profound impact on your financial stability. With good credit, you can obtain a home mortgage, lease an apartment, obtain an auto loan, or acquire a low interest credit cards with ease. But if your credit history is shaky, many of these financial resources may be more expensive or not available at all. Either way, you have a right to know what to expect when a lender runs a credit check on you.
Aside from paying your bills on time, the single most important thing you can do is to be aware of what your credit report says about you. This will ensure that when others look into your credit history, they will find that you are a safe bet and issue you the credit you are seeking.
It is essential that you check all of your credit files (and monitor your credit regularly) to protect your good credit standing, even if you always pay all your bills on time.
The federal trade commission encourages consumers to check their credit report several times per year to ensure that the report is up-to-date and error free.
How long does information stay on my credit report?
Negative items such as late payments and some public record items will remain on your credit report for 7 years. Chapter 7, 11 and 12 bankruptcies will remain on your credit report for 10 years. Unpaid tax liens remain indefinitely and paid tax liens remain 7 years from the paid date of the lien. Active positive information may remain on the report indefinitely. Hard inquiries remain on your credit report for up to 2 years, while soft inquiries do not show up at all.
What information is not contained in a credit report?
Your credit report does not contain any information about medical history, personal lifestyle, political preference, criminal record, religious information or anything else not directly related to your credit history.
What happens if I enter incorrect information on the order form?
Please ensure that all of the information you enter is correct. We are not responsible for any incorrect information provided to us on our forms.
What do I do if there is inaccurate information contained in my credit report?
If you feel that the content of your TrueAssure credit report has inaccurate information, please call customer service at 1-866-478-9231 to speak with a Dispute specialist.
I don't have a credit card. Can I view my credit report online?
Unfortunately, we only accept credit and debit cards as forms of payment at this time.
I tried to purchase a credit report for someone other than myself and failed the authentication process.
When you confirmed your order, you agreed to the following:
"Under FCRA laws, any person who knowingly and willfully obtains a credit report under false pretenses (for example getting a credit report on an individual without their permission), shall be fined under title 18, United States Code, imprisoned not more than 2 years, or both."
We are not authorized to provide credit reports for anyone else except the consumer directly requesting their credit report. The person whose report was ordered must contact our customer service department at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time.
What if I did not get my receipt by email, or if I am not getting any emails from TrueAssure.com?
Some of our emails may accidentally end up in your bulk mailbox. Please make sure that www.trueassure.com is added to your "Safe Senders" list with any Spam software that you or your Internet Provider may be using.
What is an inquiry?
There are two types of inquiries: soft inquiries, which do not count toward your credit score, and hard inquiries, which may affect your score.
Soft inquiries have absolutely no impact on your credit score. Viewing your own credit report is a soft inquiry. Other inquiries that you do not initiate, such as a review by an existing creditor or an inquiry for the purpose of offering a pre-approved credit card, are also soft inquiries.
Hard inquiries result when you apply for credit and the potential creditor needs to check your credit history. The impact of hard inquiries can vary depending on the overall information in your report. Usually, there are strong indicators of your creditworthiness, such as your payment history and length of credit history, which will carry more weight in determining your score. However, excessive inquiries can raise a red flag that you may be overextended.
What is a good score?
The higher a person's credit score is, the more likely they are to get approved and be offered more favorable borrowing rates.
Where do I go if I need help?
If at any time you need help, please contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. Also, you can click "Contact Us" from any of our web pages to send an email.
What triggers an alert on my credit report?
An alert can be triggered from credit changes including change of address, hard inquiries, negative information like late payments, new public record postings, new account openings, and possible fraudulent activity.
What's the difference between a 3-Bureau credit Report and a Single Bureau Credit Report?
A single bureau credit report provides you your credit information from only one of the three major credit repositories.
A 3-Bureau Credit Report provides your credit history as reported by all three national credit repositories, TransUnion, Equifax, and Experian.
The 3-Bureau Credit Report lists your credit accounts, allowing you to compare how each of the three national repositories are reporting your information.
Why is it important to check my credit report from all 3 credit repositories?
The financial information that is contained in your credit report may be different from one repository to another. The three national credit repositories, Experian, TransUnion and Equifax - are independent of each other and do not share or pool information.
The 3-Bureau Credit Report helps you understand how lenders view you, ensure your credit records are accurate and avoid identity theft.
When lenders check your credit history, they can pull your credit report from any of the three repositories. By checking all three yourself, you can be prepared no matter which repository they refer to.
The 3-Bureau Credit Report enables you to find inconsistencies in your credit information, too. While most of the information collected by the three repositories should be the same, discrepancies can occur. The 3-Bureau Credit Report makes it easy to see these inconsistencies across your history and take steps to correct them.
How long will it take to receive my 3-Bureau Credit Report online?
Once you finish the order form, read the disclaimer and submit your order, your online credit report will usually take up to 2 minutes to appear on your screen, depending on several factors such as time of day and your connection speed.
Where can I find out how to read my 3 Bureau Credit Report online?
Information is available to you with your 3-Bureau Credit Report to help you better understand how to read your credit report.
I requested to view my 3-Bureau Credit Report online but was unable to… Why?
In order to determine why you were unable to view your credit report online, please contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time
How can I request additional membership materials/information?
If you are already a member, you can log in for a complete description and additional information on all of your member benefits.
How do I cancel my credit report order?
We process requests for all credit reports immediately and are charged immediately by each of the national credit repositories for their data. As a result, there is no cancellation policy for delivered reports.
How do I cancel my TrueAssure Credit Plus membership?
You have the security of a satisfaction guarantee when you enroll in TrueAssure Credit Plus. If you are unsatisfied in any way with your membership and would like to cancel, please contact our Customer Care Center toll free at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time.
I was not able to complete my registration process due to a technical error. Will I be eligible for a refund?
If you were unable to complete your registration due to a technical problem, you must contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. A representative can assist you; if a representative is unable to complete your registration, a refund will be given.
I didn't pass the online authentication process. Will I be eligible for a refund?
If you fail the authentication process and are unable to view your credit report online, you must contact customer service at 888-790-7563 and a representative will help you. We enforce a strict authentication process that you must complete in order to access your credit report. E-mail and fax cancellations are not accepted.
Am I obligated to a contract?
There is no contract term associated with your membership. You may cancel at any time.
I did not receive my member ID, what do I do now?
Contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. A customer service representative will verify your identity and assist you with your account.
Once you've logged in to your program website, simply visit the Account Center. You will find a link to update personal information, including address, phone number and email address, as well as billing information like your credit card.
What do I do if I forget my Membership ID?
If you know the email address you registered with you can click here. Or simply visit the Contact Us page to send us an email, or contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. If you are sending an email, be sure to include the program you belong to, along with your name and address.
What is TrueAssure Identity Plus?
TrueAssure Identity Plus is an identity theft prevention service that provides identity theft safeguards and recovery services without requiring you to give us any of your sensitive and personal information.
How can TrueAssure Identity Plus help me?
TrueAssure Identity Plus helps protect your identity by:
- Offering tools for identity theft prevention and recovery (and cleaning up your credit report)
- Providing detailed, customized instructions at every step
- Helping you set up fraud alerts for your credit cards and bank accounts
- Helping you stop receiving junk mail and pre-approved credit card offers
- Getting your name on the National Do-Not Call list
- Sending you email reminders so you always know when to follow up
What makes TrueAssure Identity Plus different?
TrueAssure Identity Plus puts you in control of actively monitoring and protecting your identity.
Why do you need my email address?
We use your email address to send you reminders and to save your progress.
Will signing up for TrueAssure Identity Plus affect my credit score?
No. Just as getting your credit report cannot affect your credit score, using TrueAssure Identity Plus will not hurt your score.
Can TrueAssure Identity Plus protect me against identity theft?
Yes. Even though data thieves can be clever, and no service can provide a 100% guarantee, TrueAssure Identity Plus is your defense against becoming the next victim of identity theft - especially if you're a frequent user of credit cards, the Internet or if you plan to apply for a loan within the next 3 years. TrueAssure Identity Plus gives you the alerts and warnings you need to help stop identity theft.
If I am not enrolled in TrueAssure Identity Plus, how else will I know if my identity has been stolen?
You should be suspicious if any of the following happen to you:
- You receive credit cards that you did not apply for
- You receive calls from businesses about merchandise you did not purchase
- You are served court papers or arrest warrants for actions you did not commit
- You aren't receiving expected bills or other mail. This might be a sign that identity thieves have changed your mailing address to a location of their choosing
- You receive calls or letters from debt collectors when you are not defaulting on your loans
- You have charges or withdrawals to your bank account or credit cards that you did not make
- You are denied credit when you believe your credit rating to be good
Though any of these might simply be an error, you should always follow up to find out; you may have become a victim of identity fraud. Enrolling in a service like TrueAssure Identity Plus will help protect you should one of these situations ever occur.
How do identity thieves typically steal information?
Identity thieves have discovered many different ways that to steal your identity:
- They steal your employer's access to your personal information, including your SSN and credit report
- They use a camera to take pictures or video of your credit card or drivers license while you complete a retail transaction
- They steal credit and debit card numbers, and bank account numbers, when you complete transactions through unsecured sites
- They steal your wallet or purse
- They fraudulently obtain your credit report by posing as a landlord
- They trick you into giving them personal information over the phone by posing as a business person, bank employee or government official
- They go through your trash at work or home to find bills, credit card statements and other mail that contains personal information
- They phish for information through spyware and malware on your computer
Enrolling in a service like TrueAssure Identity Plus will help protect against identity theft, by reducing the risk of certain types of identity theft and educating you on ways you can protect yourself further.
How do I cancel TrueAssure Identity Plus?
You have the security of a satisfaction guarantee when you enroll in TrueAssure Identity Plus. If you are unsatisfied in any way with your membership and would like to cancel, please contact our Customer Care Center toll free at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time.
I was not able to complete my registration due to a technical error. Will I be eligible for a refund?
If you were unable to complete your registration due to a technical problem, you must contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. A representative can assist you; if a representative is unable to complete your registration, a refund will be given.
Am I obligated to a contract?
There is no contract term associated with your membership. You may cancel at any time.
I did not receive my member ID, what do I do now?
Contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. A customer service representative will verify your identity and assist you with your account. Once you've logged in to your program website, simply visit the Account Center. You will find a link to update personal information, including address, phone number and email address, as well as billing information like your credit card.
What do I do if I forget my Membership ID?
If you know the email address you registered with you can click here. Or simply visit the Contact Us page to send us an email, or contact customer service at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time. If you are sending an email, be sure to include the program you belong to, along with your name and address.
Dispute Center
If you feel that the credit report you received from TrueAssure contains inaccurate information, you can dispute the information by calling our toll free at 888-790-7563, Monday through Friday 10:00am-6:00pm Eastern Time, and a customer service agent will be able to assist you. Please have your credit report available for reference. Our dispute procedure is as follows:
We will reinvestigate the disputed information free of charge.
We will contact each credit repository that reported the disputed information and notify them of your dispute before the end of the 5th business day beginning on the day that we were notified of your dispute.
In accordance with the Fair Credit Reporting Act, the credit repository is required to contact the provider of the information to investigate and report the results to us by the end of the 30-day period beginning on the date that we received notice of your dispute.
If the investigation finds that the disputed information is inaccurate or incomplete, the information provider must also report the results to all the consumer reporting agencies to which it reported the information and that maintain files on consumers on a nationwide basis.
We will notify you of the results of our reinvestigation by letter within 5 business days after we complete our investigation.
If you have additional information that you believe is relevant to our reinvestigation, please provide it to us any time during the reinvestigation process. We will provide all such relevant information to the information provider. If you provide us with such additional information prior to the time we have completed our reinvestigation, we may extend the period of reinvestigation for up to 15 additional days.
If we cannot verify the disputed information within that time frame, the disputed information will be deleted from your First Advantage credit report or updated as requested.
A revised credit report, reflecting the results of the investigation, will be sent to you at the conclusion of the investigation.
Our credit data is provided by First Advantage. First Advantage is a reseller of credit information provided by the three national repositories. We do not maintain a permanent database from which new credit reports are produced. Rather, each time we prepare a new credit report, we order the information from one or more of the three repositories. Although the repositories are notified of modifications or deletions we make based upon our reinvestigations, you should contact them directly to confirm that these modifications and deletions are reflected in their permanent files. If not, subsequent credit reports they prepare on you may continue to contain the disputed information.
Contacting the Credit Repositories
The repositories can correct any inaccurate information that they may have in their permanent files. Since information reported to the repositories is only as current and as accurate as the information reported by creditor(s), you may want to dispute any inaccurate information by contacting the creditor(s) directly. Further, once you have notified the creditor(s) of the error in writing, the creditor(s) may not continue to report the information if it is, in fact, an error.
You'll usually hear back from the credit repositories in 30 days or less. If the error has been fixed, you can have the credit reporting company send the corrected report to anyone who received the inaccurate report in the past six months (two years in the case of employers). If your dispute is found to be accurate, only the passage of time can assure its removal. Credit repositories are permitted by law to report bankruptcies for 10 years and other negative information for 7 years.
| Equifax Information Services, LLC | TransUnion, LLC | Experian Information Solutions, Inc. |
| Web: www.equifax.com Phone: 1-800-685-1111 Address: PO Box 740241 Atlanta, GA, 30374 |
Web: www.transunion.com Phone: 1-800-916-8800 Address: PO Box 1000 Chester, PA, 19022 |
Web: https://www.experian.com/rs/fi3.html Address: P.O Box 9556 Allen, TX 75013 If you have been turned down for credit, insurance or employment, the address is: PO Box 9600, Allen, TX, 75013. If you are on welfare, unemployed but job-hunting, or believe you have been a victim of credit fraud, the address is: PO Box 9532, Allen, TX 75013 |
