Jan L. Warner & Jan Collins
There are national and local credit reporting agencies. You will find credit bureau listings in theYellow Pages. Contact a major credit reporting agency about its current procedures for you to obtain a copy of the files listed in both your name and your spouse's. Be prepared to provide full names on the account (Jr., Sr., etc.), social security numbers, previous addresses, and former names. They may also require proof of identity such as a photocopy of your driver's license or copy of a utility bill that was mailed to your home.
Sample Letter To Credit Bureaus From Divorcing/Separated Spouse
YOU CAN SEND THE FOLLOWING LETTER TO EACH OF THE THREE LEADING CREDIT INFORMATION BUREAUS AT THE ADDRESSES BELOW TO RECEIVE SPOUSAL CREDIT INFORMATION.
THE COST OF RECEIVING THIS CREDIT REPORT IS BETWEEN $0.00 AND $8.00, DEPENDING UPON WHERE YOU LIVE.
TRW Information Services Division
P.O. Box 2106
Allen, Texas 75002-9506
Trans Union
P.O. Box 6790
Fullerton, California 92634
Equifax Credit Information Services
P.O. Box 740256
Atlanta, Georgia 30374
Credit Report of
Joe Jones, SSN 111-11-111
Joan Jones, SSN 222-22-222
- Dear Sir or Madam,
- Please forward to me a copy of my credit report. My home address is 1717 Jones Circle, Jonesville, Arkansas 99999. My telephone number is (999) 999-9999.
- If there are questions, please call or write me. Otherwise, I look forward to receiving my record promptly.
- Yours truly,
- Mrs. Joe (Joan) Jones
- Date of birth: May 25, 1951
Credit Counseling Can HelpCredit sounds great. A synonym is debt. Your consumer debt is the full amount of what you owe, not the total of your monthly payments.
If you are having trouble paying bills, call your creditors immediately to set up a new payment schedule. Try not to get so far behind in payments that they are reported to a credit bureau. If you are in debt over your head and need help, consult with a consumer credit counseling service. Consumer counseling helps because it:
- Provides a realistic program for dealing with the most immediate and pressing debts
- Sets up a realistic budget for the future
Look in the Self-Help Guide of your telephone book under Consumer Problems for the name and phone number of an agency that can help you.
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