Posts Tagged ‘credit report agencies’

Contact Details Of Credit Report Agencies

There are three major credit report agencies in the United States of America, which include Equifax, Experian, and TransUnion. If there is something that the Americans consumers find the most scary thing, that is the monster of IRS (Internal Revenue System). But, as compared to one IRS monster, there are three credit reporting beasts. These agencies also look scary because they have the power to make or break your financial life. These bureaus prepare your credit report on the basis of the information provided by your lenders, landlords, utility service providers, and others. If the score on your report is less than decent, you will have a tough time qualifying for mortgage, car loan, education loan, utility services in your name, and even a good job. It is very important for you to keep in mind that sometimes the low score on your credit report is a result of certain errors and mistakes. In such cases, you have the legal right to file a dispute and get those entries corrected. You will find the following contact details of these bureaus very useful in this regard.

Contact Details For Requesting A Copy Of The Report

As per the laws, all US consumers are entitled to receive one free report from all credit report agencies at least once every year. In order to keep your financial life smooth, you are strongly recommended to review your credit reports at least every six months. You can request a copy of the report either by post or by just giving a call to the bureaus. You can visit the official website of the Annual Credit Report and download the mail order form (a PDF file). Print this form, fill it out, and then mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. After receiving the request, they will send you credit reports from all three agencies in one go.

You also have an option to request for reports by giving a call to credit report agencies separately. The phone numbers are as follows.

Equifax – 1-800-685-1111 (individuals), 1-888-202-4025 (businesses)
TransUnion – 1-877-322-8228 (individuals), 1-800-813-5604 (businesses)
Experian – 1-888-397-3742 (individuals), 1-800-520-1221(businesses)

Contact Details For Filing Dispute

You have three options when it comes to filing a dispute with the credit report agencies – you can file your dispute online, give them a phone call, or write them to their official physical address. You are advised to use the third option, as just a phone call or an online dispute does not often work effectively. The contact details are as follows.

Equifax
P.O Box 740241
Atlanta, GA 30374-0241
Phone : 1-800-525-6285

TransUnion
P.O Box 6790
Fullerton, CA 92834-6790
1-800-916-8800

Experian
P.O Box 9532
Allen, TX 75013
1-888-397-3742


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