If you don’t receive the best rate with PEMCO because of your credit history, you have a right to receive a free copy of your consumer report from Equifax if you request it within 60 days of the notice we send about your rate. You can request your report from Equifax through its secure website
. For Reason for Credit File Request
select “Denied credit, insurance or change in credit limit.” Equifax provides your credit report along with a confirmation number you can use in communicating with them.
Additionally, you are entitled under the Fair Credit Reporting Act to a free credit report from each of the three nationwide consumer credit reporting companies – Equifax, Experian, and TransUnion – once every 12 months to confirm the accuracy of the information placed in your report. You can order your annual free credit report from the three credit reporting companies at the same time through a central website at http://annualcreditreport.com
or by calling toll free 1-877-322-8228, or mailing a request via U.S. Postal Service to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.