Prosper uses Experian for your credit grade:
Each of the consumer reporting companies are required to provide you with a free copy of your credit report, once every 12 months. The three companies have set up a central website and a toll-free telephone number, through which you can order your free annual report. To order, go to www.annualcreditreport.com, or dial 1-877-322-8228.
Addresses to send Disputes
-Equifax P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111
-Experian P.O. Box 2104 Allen, TX 75013 1-888-397-3742
-Trans Union 760 W. Sproul Rd.Springfield, PA 19064 1-800-888-4213
You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider are responsible for correcting inaccurate or incomplete information in your report. Tell the consumer reporting company, in writing, what information you think is inaccurate, request that it be removed or corrected. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received.
