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’re 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 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 by mailing a request via U.S. Postal Service to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.