ASK PEACHTREE MORTGAGE SERVICES, INC.

Peaches

How do I receive my free credit reports?

When you apply for a new home mortgage, your lender will order and review your credit report to determine if you qualify for a home loan.  The information contained in your credit report can also affect the interest rate you will pay.  

A credit report is a detailed history of your use of credit; your level of outstanding debts; and the way you have paid your bills in the past.  Credit reports are compiled by companies called credit bureaus or credit reporting agencies.  The three main credit reporting agencies in the United States are TransUnion, Equifax, and Experian.

Before applying for a home mortgage loan, you should review your credit report so that you can fix any problems or errors if possible.   Obtaining your personal credit report is easy, and Georgia residents are entitled to receive two (2) FREE credit reports each year from EACH of the three (3) credit bureaus: TransUnion, Equifax, and Experian.

There are three (3) ways to order your personal free credit reports:

1.  You may order your free credit reports by visiting the credit bureaus' individual websites:

www.transunion.com

www.equifax.com

www.experian.com

However, be aware that you do NOT have to sign up for a credit monitoring service in order to receive your free reports.

  

2.  You may also call each of the three (3) credit bureaus and order your reports over the phone: 

TransUnion:  1.800.916.8800

Equifax:  1.800.685.1111

Experian:  1.888.243.6951

 

3.  Or, you may write to the three (3) credit bureas individually using the following template or a similar letter:

To Whom It May Concern:

Please send a copy of my FREE credit report to me at my home address.  My information is as follows:

Full Name:

Address:

Social Security Number:

Birthdate:

Previous addresses in past five (5) years:

Your signature

 

Mail to the following addresses:

 

TransUnion LLC

Consumer Disclosure Center

PO Box 34012

Fullerton, CA  92834

Peaches

 

Equifax

PO Box 740241

Atlanta, GA  30374

 

 

Experian

PO Box 2104

Allen, TX  75013

 

All information correct as of publication date.

 

Peachtree Mortgage Services, Inc.

5305 Claridge Square

Dunwoody, GA  30338

770.481.0052

At Peachtree Mortgage Services, Inc. we urge all of our Georgia home mortgage customers to take advantage of this free service, both before applying for a home mortgage and on a regular basis thereafter.  Errors on your credit report-- even when posted by your creditors or by the credit bureaus themselves-- can lower your credit score, leading to higher interest rates on your home mortgage, auto loans, credit cards, etc.  However, many credit report errors can be fixed easily.  Monitoring your own credit reports on a regular basis is the best way to discover and correct these issues quickly!

Georgia Residential Mortgage Licensee #7359

National Mortgage Licensing System & Registry (NMLS) # 133589