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Did you know that you could pull your own credit report for free?

Under the Fair Credit Reporting Act (FCRA), the three major credit reporting companies in the United States (Equifax, Experian, and TransUnion) have to provide you with one free copy of your report annually. To obtain a copy, simply visit You can fill out an online form, call them at 1-877-322-8228, or send a form to the mailing address on their website.

Request a copy of your credit report for free from any of the three credit agency bureau's:


If you identify errors on your credit report, whether minor or major, it is important to address those issues before they have a negative impact on your credit score. You have the legal right to file a complaint with either the three major credit bureaus or the offending lender or CRA to get inaccurate information corrected or removed (as appropriate) from your credit report. The process includes filing a formal, written letter of complaint to the appropriate agency, awaiting an official response and inquest, and learning about the result.

However, this task can be annoying and time consuming for most people. Vullings Law has legal professionals trained in handling consumer credit issues. We’ll assist you in identifying errors on your credit report, help determine the validity of your claim, and even write your formal complaint letter to submit to lenders or credit bureaus. We’ll take care of tracking and monitoring your claim, and deal with any requests or resubmissions required. In the event that legal representation is required in a court of law, Vullings Law provides that free of charge on qualifying accounts.

A good credit score can mean the difference between easy, affordable access to credit, and high interest rates and loan denial. If your efforts to repair your credit on your own have failed because of errors, contact Vullings Law for the guidance and assistance required to help right the ship and get your credit score back on track to “good” territory.