Credit Reporting Agencies - Order Credit Reports and Credit Scores From Experian, TransUnion, and Equifax
How to Contact Equifax, Experian and TransUnion
Last Updated: February 15, 2016
The information on this page regarding the big three credit reporting agencies, Experian, Equifax and TransUnion, may change, but is current as of February 2016. 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.
Mailing Address for Credit Bureaus
P.O. Box 4500
Allen, TX 75013
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
When mailing your request, make sure you send all of the information contained here.
Credit Bureau Contact Phone Numbers
Finding the Credit Bureaus on the Internet
Background of Credit Reporting Agencies
Free Credit Reports
- You can get a free report once a year from www.annualcreditreport.com. 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.