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Telephone Numbers and Mailing Addresses of the Three Major Credit Bureaus

The contact information for the three major credit reporting agencies (or credit bureaus) is below.  When you contact them, you must have specific information handy so that they can verify your identity.  Note that these agencies have a duty to make sure that the person requesting a copy of his or her credit report is indeed that person and not a thief or unauthorized third party.  Therefore, if the information they have on file about you does not match the information you provide to them, there will be a delay in obtaining your report, or they might deny your request altogether. 

For example, if you have recently moved, the credit bureau might not have your new address and phone number yet. If you request they send your credit report to your new address, they will refuse your request and ask you to prove you are who you say you are.  This might require sending them copies of your driver's license with the new address and a statement from a landlord, utility company, etc. that proves you live at the new address.  Therefore, if you want to obtain a copy of your credit report as quickly as possible, it would be wise to phone them first and find out if you can simply order your report over the phone, or need to send them proof of your identity.  And, before contacting them, read this page entirely to find out if you would like to obtain free credit reports online with absolutely no catches or hidden fees involved.  Sample letters requesting a copy of your credit report are provided.

Experian

To order your credit report, Experian's telephone number is 888-397-3742.  It would probably be easier to request a copy of your credit report online at experian.com.  When ordering your credit report, you might be asked to provide the following information:  First, middle and last name; current address; previous addresses for the past five years; social security number, date of birth; spouse's name, and a copy of a utility or phone bill with your name on it.  If you are not entitled to a free credit report, they will charge you a fee for a copy of your credit report.

If you want to dispute an item on your Experian credit report by mail, you can send it to P. O. Box 4500, Allen, TX 75013.  If you want to report to Experian that you are the victim of fraud or identity theft, contact Experian at 888-397-3742 and they will immediately flag your credit report with a fraud alert.

Equifax Credit Information Services, Inc.
P. O. Box 740241, Atlanta, GA 30374-0241  Tel:  800-685-1111

To dispute information on your credit report by mail:  Use the mailing address above
To put a fraud alert on your Equifax credit file:  1-888-766-0008 or online at their website Equifax.com

When ordering your credit report, you might be asked to provide the following information:  Full legal name, address, social security number, most recent former address.  If you are not entitled to a free credit report, they may charge you a fee around $10 for a copy of your credit report.

Trans Union
P. O. Box 1000, Chester, PA 19022  Tel:  800-888-4213

When ordering your credit report, you might be asked to provide the following information:  First, middle and last name; current address; previous addresses for past two years; social security number, date of birth; current employer; phone number.  If you are not entitled to a free credit report, they may charge you a fee around $10 for a copy of your credit report.

If you want to order your credit reports online, you are entitled to one free credit report each year from each of the three credit bureaus -- Experian, Equifax and TransUnion.  The three credit bureaus have set up a website so you can easily order your credit reports online.  How to get a free credit report.


See also:  Fraud Alerts      Credit Freeze   

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