Contacting the Credit Bureaus
If you need to contact the credit bureaus to dispute anything that may be showing up on your credit report in error, take note of the information below. I have listed the names of the credit bureaus along with information to contact credit bureaus.
Keep in mind that this contact information is also available on any credit report you may have, at the end of the report. You’d be surprised at the amount of useful tips and advice you can find at the credit bureau’s websites. Each has an area where you can dispute items appearing on your credit report and learning centers that teach you the fundamentals of credit scoring.
These sites can be useful in learning more about how the individual companies compile our credit score and what we need to focus on as consumers to improve the end result. At the same time, the 3 major credit bureaus are self-serving, and spend most of their time trying to sell you identity theft solutions and so-called free credit reports. That said, be wary of these companies just as you would any other company trying to sell you something.
Below are the three credit bureaus addresses, phone numbers, and links to their websites:
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493
http://www.equifax.com
Experian
P.O. Box 2104
Allen, TX 75013-2104
1-888-397-3742
http://www.experian.com
Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
http://www.transunion.com
Please note that all three credit bureaus act as private businesses, so they will try to sell you products that you may not need. Some of their products can be helpful, but if you simply need a credit report, it can be ordered free of charge at Annualcreditreport.com. However, it does not contain your credit score.