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Credit Reporting Agencies - Order Credit Reports and Credit Scores From Experian, TransUnion, and Equifax

How to Contact Equifax, Experian and TransUnion - The Big Three Credit Reporting Agencies

Last Updated: April 2, 2013

The information on this page regarding the big three credit reporting agencies, Experian, Equifax and TransUnion, may change, but is current as of April 2013. If the numbers have changed, don't call us to get a number or an address if the one listed here isn't right - the info below is all we have. However, we've written up a complete article on how to find the right number to call and how to get to a live human being.

Order Your Credit Report

  • Equifax 1-800-685-1111 - you can get a free report if you have been denied credit in the last 60 days. Make sure that you order only the credit report. Mail within 48 hours.

  • TransUnion 1-800-888-4213 - receive within 6 to 8 business days.

  • Experian 1-888-397-3742 - receive within 8 to 10 business days.

Caution: If your phone request gets lost, you'll have to write to them anyway. If your letter is after 30 days of being denied credit, employment, or insurance, you might have to pay for the report. It would be a good idea to mention in your letter the date that you requested the report by phone. Your written request should contain proof of your identity and current address, such as your driver's license and a copy of a utility bill.

Addresses for Credit Bureaus

P.O. Box 9701
Allen, TX 75013

Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374

TransUnion, LLC
P.O. Box 2000
Chester, PA 19022

When mailing your request, make sure you send all of the information contained here.

Credit Bureau Contact Phone Numbers

(888) 397-3742

(800) 685-1111

TransUnion, LLC
(800) 888-4213

On the Internet

Background of Credit Reporting Agencies

Free Credit Reports

  • You can get a free report once a year from This does NOT give you your CREDIT SCORE.
  • If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down and mail it to the credit bureaus, requesting your free report.
  • If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from that bureau.
  • If you certify in writing that either you are unemployed and plan to seek employment in the next 60 days.
  • If you are on welfare.
  • If you write to say you were a victim of fraud.

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