Credit Reports
A full* credit report is required with any Character & Fitness Questionnaire or Character & Fitness Update Form.
You must obtain a full credit report from one of the three nationwide consumer credit reporting companies. Your credit report must be dated within 60 days before the date you submit your application materials.
Federal law requires each of the three nationwide consumer credit reporting companies (Equifax, Experian and TransUnion) to give you a free credit report every 12 months if you ask for it. To obtain your free credit report, call 877-322-8228 or visit www.annualcreditreport.com.
You may also request a credit report directly from one of the nationwide consumer credit reporting companies (charges may apply):
- Equifax - 800-685-1111 or www.equifax.com
- Experian - 888-397-3742 or www.experian.com
- TransUnion - 800-888-4213 or www.transunion.com
*A full credit report includes:
- Creditor's name and address
- Account numbers
- Type of account
- Payment history
- Balance due
- Outstanding debt
- Age of the account
- Any public record or collection account