Attorney at Law
Amy L. Wells
BEHNKE, MARTIN & SCHULTE, LLC
Dayton, Ohio
HOMEAREAS OFCONSUMER LAWATTORNEY & STAFF PROFILENEWSLETTERCONTACT USDIRECTIONS/ ADDRESS
 
Credit Bureau Contacts (FCRA - Ohio Law)
Credit Report Problems
Unfair Debt Collections
Bad Faith Insurance Denial
Used Vehicle Fraud
Identity Theft (FCRA)
Ohio Lemon Law
Predatory Lending
Forced  Consumer Arbitration
Wrongful Repossession (Repo)
Helpful Links for Consumers
Other Practice Areas
 
OHIO CONSUMER HELP
Telephone: (937) 435-7500
Facsimile:   (937) 435-7511
Email:  AWells@LegalDayton.com

Contact Information For the Three Major Credit Bureaus
You are entitled to an absolutely FREE copy of your credit report from each of the three major credit bureaus once each year.
You can get a copy at www.AnnualCreditReport.com at absolutely no cost to you.  You may also call for a free copy at
1 (877) 322-8228.


You may also contact the three credit bureaus directly.

Equifax
1 (800) 997-2493
www.Equifax.com
P.O. Box 740241
Atlanta, GA 30374-0241


Experian
1 (888) 397-3742 or 1 (800) EXPERIAN
www.Experian.com
National Consumer Assistance Center
P.O.Box 2104
Allen, TX 75013-2104


 To obtain a copy of your consumer credit report from Experian, include:

  • Full name
  • Date of birth
  • Social Security number
  • Spouse's full name
  • Current Address
  • Addresses for last 5 years
  • Your signature



TransUnion Corporation
1 (800) 916-8800
www.TransUnion.com
Consumer Disclosure Center
P.O. Box 2000
Chester, PA 19022-2000

To obtain a copy of your consumer credit report from TransUnion, include:

  • Full name
  • Date of birth
  • Social Security number
  • Current employer
  • Phone number
  • Current Address
  • Addresses for last 5 years
  • Your signature
  • Fee





 

~Dedicated to Protecting Ohio Consumers~
Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting







 

PROTECT YOUR CREDIT
Attorney Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once a year. Consumers are entitled to a FREE copy of their credit report once per year, and may obtain a copy online at www.annualcreditreport.com.

Review the information on your report carefully, and if you find an error, contact Attorney Wells for a FREE CONSULTATION regarding steps you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may be entitled to money damages.
DEBT COLLECTION

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair debt collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors.