Contact Info for the Three Credit Reporting Agencies
This information changes all of the time, but is current as of Feb 2008. If the numbers have changed again, you can call toll-free information at 800-555-1212 to get the current phone number. Also, here is a list which is updated constantly that has tricks for getting a live human on the phone:
http://gethuman.com
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.
Background of credit reporting agencies:
Use for Disputes on Credit Reports:
Experian
NCAC
PO Box 9556
Allen TX 75013
888-397-3742
Equifax Information Services
P O BOX 740256
Atlanta, GA 30374
800-997-2493
TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000
800-888-4213
When mailing your request, make sure you send all of the information contained here.
Via the World Wide Web
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:
Do you have a question you feel we haven't answered?
For a small fee, you can talk to a counselor on the phone or Buy the Book!
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