The Three Major Credit Bureaus

Here are the three major credit bureaus, their phone numbers, and addresses:

Equifax 1-800-685-1111
Equifax Information Services
P.O. Box 740256
Atlanta, GA 30374

Experian 1-888-397-3742
ExperianNCAC
P.O. Box 9595
Allen, TX 75013

Trans Union Corporation 1-800-916-8800
Trans Union LLCConsumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Obtaining Your Credit Report

You may be able to call the credit bureaus and receive your reports through their automated system, if not you will need to send for them in the mail.

To receive a copy of your credit reports there are three pieces of information you must send the credit bureaus. They are:

1. Your full name.

2. A copy of the front of your social security card.

3. A legal mailing address. ( this includes a proof of address such as a billing statement from a creditor or a utility bill)

If you were recently denied credit the credit bureaus by law must send you a free copy of your credit report. You can also get a free copy each year. Do not have anyone else but yourself get your credit reports for you. This will only create another inquiry on your report. An inquiry means that you inquired about receiving credit from a creditor. All inquiries show up on your reports regardless if you were turned down for credit or not.

Some credit bureaus may have local offices in your area. You can go directly to their office and receive your report in person. Look in the yellow pages for listings. (Under Credit Agencies)