Checking Credit Report Cullman AL

When you have credit card, loan and mortgage, then you will have your credit report. You will learn how to get information on your credit report by reading this article.

Local Companies

First Southern Financial Services
(256) 737-5120
1622 2nd Ave NW
Cullman, AL
American General Financial Services
(256) 737-0031
1728 2nd Ave SW
Cullman, AL
1st Franklin Financial
(256) 739-4488
2015D Cherokee Ave SW
Cullman, AL
Cullman Auto Finance
(256) 734-4588
316 3rd St SW
Cullman, AL
Sun Loan
(256) 775-1328
1722 2nd Ave SW
Cullman, AL
Custom Financial Services Inc
(256) 734-4988
1638 Town Sq SW
Cullman, AL
Guarantee Auto Credit
(256) 878-9050
4050 US Highway 431
Albertville, AL
American General Financial Services
(205) 491-2137
146 River Square Plz
Bessemer, AL
Southern Financial Group
(251) 955-6899
16699 Sweet Gum Blvd
Foley, AL
Pinnacle Financial Corporation
(334) 279-5832
4150 Carmichael Rd
Montgomery, AL

Provided by:

You get a copy of your credit report from each of the three major credit reporting agencies - once a year to make sure the information is accurate. Each agency charges a service fee that varies from company to company.

Experian ()

Equifax (www.equifax.com)

To obtain a copy of your credit report, you must provide the following in writing:

1) Full name, including any previous names
2) Current address
3) Previous address (if needed for five-year credit history)
4) Social Security number
5) Date of birth
6) Signature

Free Credit Reports

If you have been denied credit because of negative information in your credit report, you may ask which agency provided your credit history and then obtain a copy of your report from that agency within 60 days at no charge .

In addition, you are entitled to one free report if:

1) You are unemployed and plan to seek employment within 60 days

2) You are on welfare

3) Your report is inaccurate due to fraud

Negative Information on Your Credit Report

If you find negative information in your credit report that is correct, you can:

1) Pay any balances so that creditors can update your file.

2) Wait seven years for negative information to be taken off (except for bankruptcies, which may remain for 10 years).

3) Write a brief statement of explanation to be included in future reports (i.e., unemployment).

Accurate information cannot be removed from your credit report. If you have any questions with regard to these topics, visit the Federal Trade Commission's Web site at www.ftc.gov.

Featured Local Company

Merrill Lynch

(256) 650-2432
4725 Whitesburg Drive
Huntsville, AL

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