Having a good credit score is essential. It can allow you to rent or buy a home, purchase a car, and sometimes get a job. It’s important to know your score and maintain your credit history.
KNOW WHAT'S ON YOUR CREDIT REPORT.
It's easy to get your credit report online from any of the three major credit bureaus. Visit the sites below or call the phone numbers listed to order a report:
Equifax: 1-800-685-1111
P.O. Box 740241 Atlanta, GA 30374
Experian: 1-888-397-3742
P.O. Box 4500 Allen, TX 75013
TransUnion: 1-800-888-4213
P.O. Box 1000 Chester, PA 19016
You're entitled to get one free report from each of these bureaus a year. Visit AnnualCreditReport.com if you need assistance obtaining your free credit report.
REPORT CREDIT BUREAU REPORTING ERRORS.
If you believe that there is an error on your credit report regarding a Golden 1 loan, credit card, or line of credit, you can now work directly with Golden 1 to resolve it.
Please report any inaccuracy in writing to Golden 1 to the address below. Our trained credit analysts will help you resolve your dispute in the timeliest way possible.
HERE'S HOW TO DO IT:
REPORTING CREDIT BUREAU REPORTING ERRORS.
Submit your dispute in writing to Golden 1.
Your letter MUST contain the following information:
- Clearly identify each Golden 1 item in your credit report that you are disputing. Make sure you state the facts and explain why you are disputing the information.
- Include copies (NOT originals) of documents that support your position.
- Provide your complete name, address and account number
We recommend that you keep copies of your dispute letter and all enclosures for future reference. We can only review Golden 1 loans. For disputes related to personal information, judgments, or public records please contact the credit bureaus directly.
Mail your dispute letter.
Mail your dispute letter and all supporting documentation for review to the following address:
Golden 1 Credit Union
Attn: Credit Report Dispute
P.O. Box 279740
Sacramento, CA 95827-9740
Golden 1 provides written notification within 30 days.
All communications during and after the review must be in writing.
Golden 1 will then provide written notification within 30 days of the results.
Please note: We do not make courtesy or goodwill adjustments. Golden 1 must follow federal guidelines that require us to report accurate and complete information to the credit reporting agencies.
