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The document is an Equifax credit report for Kimberly Guzman, detailing her credit history as of March 20, 2008. It includes sections on credit summary, account information, inquiries, negative information, personal data, and dispute file information. Key highlights include a total debt of $253,433 with a high debt-to-credit ratio of 90%, multiple accounts including mortgages and installment loans, and several negative items such as bankruptcies and collections. The report also provides personal identification details and instructions on disputing inaccuracies.

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How to reach the 3 credit bureaus?

You may request your reports: Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.

How do I get my free 3 bureau credit report?

Although Experian is the largest credit bureau in the U.S., TransUnion and Equifax are widely considered to be just as accurate and important. When it comes to credit scoring models, however, there is a clear winner: FICO Score is used in roughly 90% of lending decisions.

How do I get my free annual credit report from all three bureaus?

You cant order a copy of your tri-merge credit report. This report is only offered to lenders. However, you can order copies of your individual reports maintained by ExperianTM, Equifax and TransUnion. You can even do this for free at .AnnualCreditReport.com.

What are the 3 US credit bureaus?

Credit Bureau Contacts Equifax. Equifax.com/personal/credit-report-services. 800-685-1111. Experian. Experian.com/help. 888-EXPERIAN (888-397-3742) TransUnion. TransUnion.com/credit-help. 888-909-8872.

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