LocalSYR

Letters denying credit: The Real Deal

A NewsChannel 9 viewer says her son recently received two letters notifying him that he has been denied credit by a major retailer.
Syracuse (WSYR-TV) – A NewsChannel 9 viewer says her son recently received two letters notifying him that he has been denied credit by a major retailer.

A host of reasons were given in the letter including the number of auto, lease, mortgage, and home equity accounts.

The viewer’s son, however, has none of those accounts. He’s a full-time student with only student loans.

According to financial expert Rick Reagan, you should always check your son’s free annual credit report at www.AnnualCreditReport.com.

Then, request a free score at CreditKarma.com and compare that to the score on the letters received in the mail.

From there, you should be able to get a good view of your financial standing.

If there are issues, contact the credit reporting agencies – Equifax, Experian, and Trans-Union – directly.

They can be reached at:

Equifax (www.equifax.com)
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111

Experian (www.experian.com)
P.O. Box 2104
Allen, TX 75013-0949
1-888-EXPERIAN (397-3742)

Trans Union (www.transunion.com)
P.O. Box 1000
Chester, PA 19022
1-800-916-8800

If you want to know The Real Deal about something, call (315) 446-9900 or email YourStories@9wsyr.com.

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