Illinois: CREDIT SCORES AND REPORTS

Good credit is valuable in more than one way.  In fact, without a good credit score, life becomes difficult when you need credit, not to mention costly.  Those expensive items that you might be interested in become even more expensive when you have to obtain a loan with a higher interest rate.  Many of your future employers may first obtain a copy of your credit report to validate your credibility and reputability.

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Illinois Credit Resources

Your credit should be considered a high priority.  The state of Illinois realizes the importance of knowing your credit score and offers each resident one free credit report annual from one of the three major credit reporting agencies.

  • Equifax
  • TransUnion
  • Experian
If you are interested in obtaining your free credit report, you must apply through one centralized source which has been set up by the three major credit reporting agencies, otherwise, you will be charged for your credit report.

Remember, that when you apply for your free Illinois credit report you are under no obligation to upgrade, which the representative will likely tempt you with.

To obtain your free Illinois credit report you must:

Once you have completed the form mail to:

  • Annual Credit Report Request Service
  • P.O. Box 105281
  • Atlanta, GA 30348-5281
Good credit is essential in today’s world and if you happen to be one of the many consumers who does have bad credit you should begin working on repairing your credit immediately.

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