Credit Reports

Free Credit Reports Available

Because so much rides on your credit history it is very important for you to know what your credit report contains. It is a very good idea to review your credit report every year to ensure the information is up to date and no fraudulent/incorrect data is present.

A free copy of their credit report

As of June 1, 2005, consumers in Louisiana may now request a free copy of their credit reports.  The Federal Fair Credit Reporting Act, as amended by the Fair and Accurate Credit Transactions Act, requires each of the nationwide consumer reporting companies to provide consumers with a free copy of their credit report once every 12 months.  You may order from each of the three companies at the same time, or from only one or two.

3 nationwide consumer-reporting companies

The three nationwide consumer-reporting companies have set up one central website, toll-free telephone number, and mailing address through which consumers can order a free annual credit report.  To order, click on www.annualcreditreport.com, call (877) 322-8228, or complete the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.  The form may be accessed at www.ftc.gov/credit .

If you would like additional information on the agencies, or if you have errors on your credit report, you should contact the agency reporting the fraudulent/incorrect data.  Contact information to the three agencies is listed below for your convenience.

P.O. Box 105873
Atlanta, GA  30348
Toll Free (800) 685-1111

P.O. Box 9601
Allen, TX  75013-2104
Toll Free (888) 397-3742

Trans Union
2 Baldwin Place
Chester, PA  19022
Toll Free (800) 916-8800

All First Castle branches will be closed on Friday, July 3, and Saturday, July 4, in observance of Independence Day.SEE ALL CLOSURES