NOTE: These reports can sometimes be difficult to get, so follow the exact process outlined in each of the links above. The process is always the same:

1. First try getting the ACRs online.

2. If online doesn’t work, next try calling them.

3. If calling them doesn’t work, you’ll have to send in a request via physical mail.

If any of these reporting agencies gives you a summary online instead of a full report (they sometimes do this), send us the summary, and then complete the two remaining methods to try and get the full report (call, physical mail).

BOTTOM LINE: Try all three methods to get the credit reports. If after trying all methods, some of the CRAs are still are only giving a summary (or nothing at all), document all instances where you tried to get the reports and it failed (screenshots, screen-records, etc.), as these are violations.

Internal Team / CAP Partners: Be sure to save/upload this evidence and include in the Consumer notes section an explanation as to why those specific credit reports are missing. Only after trying to collect the reports using all three methods mentioned above will we accept Consumer files.

Other difficulties: We are hearing of instances where CRAs are asking for the social security card to release credit reports. If that happens, please record that (screenshot) and put it in the file (even if you are able to provide the social security card). And please document any other instances where CRAs are making things unnecessarily difficult to release credit reports.

Common FAQ: Why so many rounds of credit reports?

Swift Law North asks for a round of fresh credit reports several times throughout the litigation process. This is sometimes annoying or confusing to the Consumer, so if they ask about why we do this, let them know this: “Credit Reporting Agencies don’t expect Consumers to have copies of their credit reports from different dates (so they change things carelessly) and so when we find differences between these reports (which we do a lot), the cases are strengthened significantly.”