The three major credit reporting agencies are Equifax, Experian (formerly TRW), and Trans Union. You can request your credit report from these companies for a nominal fee; an annual report is free on request for residents of Colorado, Georgia, Massachusetts, Maryland, New Jersey, and Vermont. Free personal credit reports are available if you have been denied credit within the past 60 days. Write to Equifax at Equifax Information Service Center, P.O. Box 740241, Atlanta, Georgia 30374-0241 or call 1-800-997-2493. You can also order your credit report from a secure section of Equifax's Web site at www.equifax.com. You can contact Experian at Experian National Consumer Assistance Center, P.O. Box 2104, Allen, TX 75013-2104 or call 1-888-397-3742. Their Web site is at www.experian.com where you can find an order form only. Write to Trans Union at Trans Union Corporation, Consumer Disclosure Center, P.O. Box 390, Springfield, PA 19064-0390 or call 1-800-888-4213. You can order a credit report online from Trans Union's Web site at www.transunion.com.