Debt Relief

The Fair Credit Reporting Act requires each of the national consumer reporting agencies - Equifax, Experian, and TransUnion - to provide a consumer with a free copy of his or her credit report, at the consumer's request, once every 12 months. The credit report includes information on where you live, debts you owe, how you pay your bills, whether you've filed for bankruptcy, and whether you've been sued or arrested. The companies sell the information to businesses, creditors, insurers, employers, potential employers and creditors, and others who are legally entitled to it. Debt relief in Lehighton should start with getting credit reports.

The 3 major credit reporting agencies have set up a central website, a toll-free phone number, and a mailing address to process these requests. There is one and only one website for this free service The phone number is 1-877-322-8228. The mailing address is Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the companies individually for this free service. They provide it only through the website, phone number, or mailing address. Of course, if you have reason to get a credit report that you want to pay for, then you can contact the companies directly. Remember, the law allows you one free credit report from each company every 12 months. You may order them all at the same time, or you may stagger the requests.

Take note - your credit report is not the same thing as your FICO (Fair Isaac Company) scores, and your FICO scores are not included in your credit report. The Fair Credit Reporting Act does not provide for free FICO scores, but debt relief in Lehighton does not require a credit score. There are numerous companies and websites that will provide your FICO scores for a fee, but it is not necessary.

If you're interested in finding more about Rapa Law Office, and Debt Relief in Lehighton, please contact us at or call us at 610.377.7730.