Credit Matters

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Contact Information for the Three Major Credit Bureaus

In accordance with the Fair and Accurate Credit Transactions Act (FACT ACT), every American is entitled to a free file disclosure of their debt and payment records, more commonly known as a credit report, every 12 months.

To request a copy to from each of the three nationwide consumer credit reporting agencies: Equifax, Experian and TransUnion of your account history reports by phone, mail or online, following is the contact information you will find useful.

Equifax
P. O. Box 740256
Atlanta, GA 30374
1-800-685-1111
equifax.com

Experian
P. O. Box 9554
Allen, TX 75013
1-888-397-3742
experian.com

TransUnion
P. O. Box 6790
Fullerton, CA 92834
1-800-888-4213
transunion.com

Aurora Lillo Editor of the "Best Credit Reporting Services" website -- http://www.BestCreditReportServices.com -- pointed out;

"...All of the above telephone numbers have automated systems, so you will have to follow the prompts to ultimately obtain the information you need. Each of them has a telephone number you may call to speak to an actual person, although you must have a copy of your account history report from their agency, or be a member of their customer account monitoring service to obtain access..."

If you meet this criteria, here are the telephone numbers, but you still must follow the prompts:

Equifax - (866)640-2273
Experian - (800)493-1058
TransUnion - (800)916-8800

To make the request for your report much easier and convenient to access, the three reporting agencies have created a centralized service called "AnnualCreditReport.com". This site offers consumers a fast, effective way to request, view and print their account history reports in a secure Internet environment. It is also approved by the Federal Trade Commission (FTC). You can request your report online, by mail or by telephone. The information is as follows:

annual credit report Request Service
P. O. Box 105281
Atlanta, GA 30348-5281
1-877-322-8228
Visually impaired individuals can contact (877)322-8228 to request a report in Braille, Large Print or Audio Format.
Hearing impaired individuals can access TDD service by calling 7-1-1 and refer the Relay Operator to
(800)821-7232
annualcreditreport.com

"...Since you are entitled to one free copy of your debt and payment history disclosure from each of the three reporting agencies once a year, should you request a copy of all three at the same time? This would enable you to compare the reports for the information contained in each, and insure all of the information is accurate. If you order one from a different agency every four months though, you can typically see any changes that may have occurred over the previous four months. This decision is totally up to you..." added A. Lillo.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com

About the Author

Aurora Lillo runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.

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