Credit reporting bureaus and bank rating services.
CREDIT REPORTING AGENCIES AND RELATED SERVICES*
Georgia's Credit Freeze Law
CredAbility / The Consumer Credit Counseling Service of Greater Atlanta
100 Edgewood Avenue, Suite 1800
Atlanta, GA 30303
Ph: (404) 527-7630 or (800) 251-2227
Equifax Credit Information Services, Inc.
General inquiries or additional free credit report:
P.O. Box 740241
Atlanta, Georgia 30374
Experian National Consumer Assistance Center
P.O. Box 2002
Allen, Texas 75013
General inquiries: 888-397-3742
Additional free credit report: 866-200-6020
www.experian.com/reportaccess (if denied credit within past 60 days)
TransUnion Consumer Relations
P.O. Box 2000
Chester, Pennsylvania 19022
General inquiries: 800-916-8800
Additional free credit report: 800-888-4213
When requesting a credit report by mail, for the purpose of accurate file-matching please include your full name; current full address including zip code; Social Security number; date of birth; and most recent former address.
*NOTE: The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies. The Department of Banking and Finance does not have state supervisory authority over credit reporting agencies; therefore, issues or complaints regarding these companies need to be forwarded to the FTC.
Federal and state regulatory agencies regularly review the operations of all insured financial institutions to ensure that certain standards are met. Government regulatory agencies do not release their ratings on the safety and soundness of banks, thrifts and credit unions to the public.
There are rating service companies that utilize information from financial reports (Call Reports, Uniform Bank Performance Reports, Financial Performance Reports) to provide an independent analysis and rating/ranking of banks and credit unions. The Department cannot recommend or endorse any particular rating service company.
Do I Need to Know If My Bank Is Healthy? (Links off-site to the FDIC)