Goldman & Beslow LLC
East Orange: 973-677-9000
Paterson: 973-247-9445
Jersey City: 201-659-6226
Toll Free: 888-827-5493
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Free Credit Report

Every American is entitled to one report from each of the credit agencies -- Experian, TransUnion and Equifax -- each year under the Fair and Accurate Credit Transaction Act.

A lot of web sites, including those of the big credit reporting agencies, will try to lure you in to sell you those reports, but that is a good way to spend money needlessly. At the reports are available free. (Those who are uncomfortable submitting their Social Security number online can mail a request to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. If you order a report from one agency, then come back in three to four months and order from another, you can keep on top of any credit changes.

The report can be difficult to read, but you first want to check for accounts that are not yours. Next, make sure the report is clear of any erroneous information like a bill turned over to a collection agency or a credit card balance that was paid off.

If there is a mistake, write a letter to the credit bureau and correct it. Then immediately order free copies from the other two agencies to make sure the error is not repeated on their reports.

Remember, asking for a report directly from a credit bureau never hurts your credit score.


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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
E-mail the firm

NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
Newark Law Office

Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

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