Metro Brokers Financial

Order your 3-bureau reports and scores

Getting a copy of your credit report

Under the Fair and Accurate Credit Transactions Act of 2003, you’re entitled to a free copy of your report, once a year, from each of the three credit bureaus — Equifax, Experian and TransUnion. The website to order this free service is www.annualcreditreport.com.

Annualcreditreport.com requires users to register with the site and provide their basic identification information, such as name, address and social security number. The user is then sent to the website of the individual credit reporting agency they select, where they are asked additional security questions to confirm their identity before getting their report.

A consumer can request reports from all three agencies at the same time or stagger the requests throughout the twelve month period as a way to self-monitor their credit data.

Your free credit report should tell you what’s in your file - both outstanding debts and those you’ve paid off - along with how well you’ve kept up with your payments and who has seen the information.

The three credit bureaus - Equifax, Experian and TransUnion - do have some differences. They operate in different cities and regions. In some cases, this gives them an advantage in those areas over the other agencies. The information they gather may differ slightly, along with their method of presenting and analyzing the data.

In addition, collections can appear on one, two or all three of the reports. The three credit bureaus do not share information. Therefore, if the same issue appears on all three credit bureaus and you correct it with one credit bureau, you still need to correct it with the other two bureaus.

Using the annualcreditreport.com service will not lower your credit score, as it counts as a "soft" credit pull.

Although you are entitled to one free credit report within a 12-month period from each of the three credit bureaus, you are not entitled to receive a free credit score. Credit scores are available as an add-on feature of the report for a fee.

If you dispute an item on a credit report pulled using the free system, the credit bureaus, under the Fair Credit Reporting Act (FCRA) now have 45 days to investigate. The FCRA was originally passed in 1970, and is enforced by the US Federal Trade Commission and private litigants.

Information on disputing or correcting information on your credit file can be found by going to the website where the credit report came from (ex. Equifax, Experian or TransUnion).

Credit Doctor

With Metro Brokers Financial, customers have access to the unique Credit Doctor utility, which gives them their credit score as well as tips on how to potentially change their credit score. More information and order instructions are available on the Credit Doctor page.

Metro Brokers Financial, Inc., 5775-D Glenridge Drive, Suite 200, Atlanta, Ga. 30328 A Georgia Residential Mortgage Licensee # 5892. NMLSR Unique Identifier # 163853. 404-847-2525