803. Can I phone in my request?
Description
This article is from the Credit cards and Consumer Credit FAQ, by adams@spss.com (Steve Adams) with numerous contributions by others.
803. Can I phone in my request?
Here is current status as of 2 May 1992:
- Equifax: call (800) 685-1111. This voice mail system will take
your request if you were denied credit, employment, or insurance
within the last 30 days based on an Equifax report. Otherwise, it
will quote a price and tell you how to write for a copy of your
report.
- Trans Union: There is a national phone number for people who have
been denied credit in the last 60 days to request a copy of their
Trans Union file. (800) 851-2674 gets you a 24-hour voice mail
system which asks several questions. According to the recording,
the report is mailed in 72 hours (normal U.S. mail so allow 5-7 days).
- TRW: call (800) 392-1122. This voice mail system talks to you in
Spanish or English. It will let you record your request if you
were turned down for credit, employment, or insurance within the
last 30 days based on a TRW report. Otherwise, it will quote a
price and tell you how to write for a copy of your report.
Caution: if your phone request gets lost, you'll have to write
anyway. If your letter is later than 30 days after you were denied
credit, employment, or insurance, you might have to pay for the
report. It would be a good idea to mention in your letter the date
that you requested the report by phone.
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