Credit manager

Bridgefield can help you take control of your financial future.

Check your credit status

It is important to be proactive and check your credit report on a regular basis. Not only will you be better prepared when speaking with lenders, but you can also receive early warning signs of fraud.

You should review your credit report from the three major U.S. credit reporting agencies (Equifax, Experian, and TransUnion) at least once a year, especially before making a large purchase, like a house or a car.

Ordering your report

Everyone is entitled to one free credit report a year from each of the three major credit agencies. To order your free credit report please visit www.annualcreditreport.com.

In addition, you’re entitled to a free report:

Within 60 days of being denied credit, insurance, or employment
If you’re unemployed and plan to look for a job within 60 days
If you’re on welfare
If your report is inaccurate because of fraud, including identity theft

If you’ve already obtained your free report, and the above do not apply to you, you must purchase another report directly from the credit agencies.

Equifax: 1-800-685-1111 or www.equifax.com

Experian: 1-888-397-3742 or www.experian.com

TransUnion: 1-800-916-8800 or www.transunion.com

Order all three credit reports from Fair Isaac: www.myfico.com

How to fix errors on your report

The most effective way to question an inconsistency on your credit report is by contacting any of the credit reporting agencies directly and submitting a formal dispute. Once a formal dispute has been filed, the credit reporting agency is required to conduct an investigation that includes contacting the creditor to verify the reported information. The credit reporting agency will then notify you of its findings at the conclusion of the investigation.