Contact Info for the Three Credit Reporting Agencies

Last updated Jan 14, 2009

This information changes all of the time, but is current as of Jan 2009. If the numbers have changed again, 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.
Use These Numbers to Order Reports:

* Equifax 1-800-685-1111 This one lets you get a free report if you have been denied credit in the last 60 days. Option 2. Make sure that you order only the credit report. Mail within 48 hours.
* TransUnion – 800-916-8800 – mail within 6 to 8 business days.
* Experian – 888-397-3742 – receive within 8 to 10 business days.

Caution: if your phone request gets lost, you’ll have to write anyway. If your letter is later than 30 days after you were 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. Equifax also requests that you follow up your phone order with a written request containing proof of address, your driver’s license, name, date of birth and SSN.

Addresses for Disputes on Credit Reports:

Experian
NCAC
PO Box 9556
Allen TX 75013

Equifax Information Services
P O BOX 740256
Atlanta, GA 30374

TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
PO 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: 888-211-0728

Equifax Information Services
Business Line (also has option for Personal): 888-202-4025
Office in GA: 1-800-685-1111
Dispute Fax #: 888-826-0573
Business: 802-304-0364
General: 800-797-6801

TransUnion
Office in PA: 1-800-888-4213
888-259-6845 (6am-12 pacific time)
800-916-8800 (consumer relations)

Via the World Wide Web

* Experian
* Equifax
* TransUnion

Background of credit reporting agencies:

* Experian
* Equifax
* TransUnion

Free ways to get your credit report

* Don’t forget your once a year free report: annualcreditreport.com. Remember, though, this does NOT give you your CREDIT SCORE. To get it, along with some pretty cool credit report analysis tools, order all 3 reports and scores here.
* Some states have laws requiring the bureaus to provide more than one free credit report per year. To find out if your state requires this and more details about the cost of ordering your report, see our article on state credit report costs.
* 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
* If you are too impatient to wait for this, you can always order your credit report online:
o Get all three credit bureau’s information in one merged report.
o Or just get a single bureau’s credit report (Experian).