Your business credit policy should include a procedure for verifying credit information on your potential customers to alleviate collection problems later on. In order to obtain accurate and timely credit information about your potential customers, you should be a member of the Credit Bureau of Baker or the Credit Bureau of Union and Wallowa Counties. This membership entitles you to our weekly Public Record Bulletin published for Baker, Union, and Wallowa Counties as well as preferred pricing for any consumer credit reports you process through our Bureau according to the Fair Credit Reporting Act.
Our Credit Bureau also maintains a Tenant Check program through Northeast Oregon Rental Owners Association which can be of value to a landlord in avoiding tenants who have not maintained good credit with former landlords.
We also have numbers and websites available for consumers who have questions or problems with their personal credit histories.
Listed below are the repositories and their contact information for consumers wishing to request a copy of their personal credit report.
Equifax
1-800-685-1111
PO Box 105873
Atlanta, GA 30348-5252
Experian
1-888-397-3742
PO Box 2104
Allen, TX 75013-2104
Trans-Union
1-800-916-8800 Consumer Relations
1-800-888-4213 Request Report
PO Box 1000
Chester, PA 19022
Please also see truecredit.com which will allow you to access your credit history immediately at a nominal cost.
If you have questions about how the credit industry works and how it relates to you, call our office at 541-963-3134 in La Grande, OR or 541-523-3619 in Baker City, OR.