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Credit Reporting Agencies - How to Contact Them
Last Updated: June, 2011
This information on the credit reporting agencies may change, but is current as of June 2011. 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 Credit Reports
- 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 1-800-916-8800 - 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
ExperianP.O. Box 9556
Allen, TX 75013
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
TransUnion
Trans Union Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000
When mailing your request, make sure you send all of the information contained here.
General Contact Numbers
Experian
Office in TX: 1-888-397-3742
Business: 1-888-211-0728
Equifax
Business Line (also has option for Personal): 1-888-202-4025
Office in GA: 1-800-685-1111
Dispute Fax #: 1-888-826-0573
Business: 1-802-304-0364
General: 1-800-797-6801
TransUnion
Office in PA: 1-800-888-4213
1-888-259-6845
1-800-916-8800 (consumer relations)
On the Internet
Background of Credit Reporting Agencies
Free Ways to Get Your Credit Report
- You can get a free report once a year from www.annualcreditreport.com. This does NOT give you your CREDIT SCORE. To get your credit score, you can sign up for a FREE credit score and report with a 7-day trial period.
- 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.
Do you have a question you feel we haven't answered?
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