Credit Reporting Agencies - Credit Bureaus - How to Get Your Credit Reports
How to Contact Equifax, Experian and TransUnion
Last Updated: March 17, 2017
Do you want to contact one of the big three credit reporting agencies? The information on this page regarding the credit bureaus, Experian, Equifax and TransUnion, may change, but is current as of March 2017. There are a number of reasons why you would need to contact one of the credit bureaus directly, so we have listed out numerous ways you can do this. Reviewing your credit reports at least once a year ensures you will not become a vicitim of identity theft or having incorrect information reported in your credit file.
How to Order Your Credit Report
Ordering your credit reports has become easier and easier, thanks to changes in legislation. You can order your credit reports in one of the following ways:
- Go to annualcreditcreport.com - you can order all three reports once a year for free
- Go to the Equifax site
- Go to the TransUnion site
- Go to the Experian site
If your want to order your credit reports directly from the credit bureaus, they will try to sign you up for one of their credit monitoring programs. These are worth it if you are trying to clean up your credit because you will get your score and you will be notified if any information changes on your reports. If you don't want to pay for your reports, then you will have to get them from AnnualCreditReport.com.
Mailing Address for Credit Bureaus When Sending a Dispute
P.O. Box 4500
Allen, TX 75013
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30348
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
Credit Bureau Phone Number For Initiating a Dispute
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.