Credit Report Trw

If you haven’t checked since you were a youngster, you may be trying to discover how to get your credit report from TRW. TRW, Inc. was once one of the largest corporations in the country with 156,000 employees in several different divisions, including automotive, aerospace, and credit reporting. Thompson Ramo Wooldridge Inc (TRW) began back in 1901 as the Cleveland Cap Screw Company. They were among the first to build safety air bags for automobiles, but ran into financial difficulty in the 1970s because they were using asbestos in their brake pads. TRW credit reports were also among the first in the nation to keep track of financial data and the payback of consumer loans and credit cards. TRW, however, has not issued a credit report since 1996, when they sold off that arm of the company. In 2002, the entire TRW company was bought out, and all operations except some defense manufacturing were dissolved.

TRW credit reporting didn’t entirely disappear. They sold their data to an information services company called Experian, which was formed in 1980 in Dublin, Ireland. The TRW credit reporting data was used by Experian to make themselves one of the three top credit reporting bureaus in the United States, along with Equifax and TransUnion. Although headquarters remains in Dublin, Experian has a U.S. office in Costa Mesa, California and a National Consumer Assistance Center, which handles credit reporting and disputes, in Allen, Texas.

Since almost no information from as far back as 1996 is listed on a credit report, TRW credit reports are, for all intents and purposes, extinct. If you are in need of a credit report, the federal government mandates that each of the three top credit reporting bureaus, including Experian, give consumers one free report per year. These free reports can be obtained from the centralized service overseen by the U.S. government, AnnualCreditReport.com. This is the only website authorized to give out the free credit reports authorized by federal law. For those who do not have internet access, a free credit report can also be obtained by calling AnnualCreditReport toll-free at 877-322-8228. They can also be obtained through regular mail by filling out the form on the back of one of their official brochures.

If you have already obtained a free credit report within the past 12 months, you can still purchase another Experian credit report directly from the agency or through one of several third-party agencies who will act as middlemen between you and Experian. There is one caveat that consumers should be aware of when purchasing a credit report. Experian and most of the other agencies offering a credit report will ask for a credit or debit card for the purchase. When you give it to them they will automatically enroll you in a recurring monthly credit monitoring service that you may or may not want or need. When purchasing an Experian credit report or a credit report from the other two major agencies, always read the fine print. If you did not specifically state that you do not want to be enrolled in the monthly service, you will have to call them and cancel within 30 days before another charge hits your card.