Credit Bureau - Contact information
There are three national credit reporting companies (CRCs), Equifax, Experian and TransUnion. These three major Credit Bureaus act as repositories of credit and background information in the United States. They are private companies that collect information about borrowing and repayment behavior from lenders and businesses that have extended credit to consumers. When someone obtains credit, the creditor ie. banks, loan company etc. reports the payment history to these repositories. This is usually done monthly but may be done on an irregular basis. These repositories simply accept the information as it comes in electronically.
It's important to note that not all lenders report to all three credit agencies. This is the reason the information on your credit report can vary from agency to agency, thereby resulting in different scores. This is the reason to check your credit reports and scores from each bureau annually to ensure all the information is accurate.
3 Credit Bureaus Contact Information
Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
To order report: 1-800-685-1111
To report fraud: 1-800-525-6285
Web site: www.equifax.com
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
To order report: 1-888-397-3742
To report fraud: 1-888-397-3742
Web site: www.experian.com
Consumer Disclosure Center
P.O. Box 1000 Chester, PA 19022
To order report: 1-800-888-4213
To report fraud: 1-800-916-8800
Web site: www.transunion.com
Credit Bureau Fraud Alert contacts
P.O. Box 740250,
Atlanta, GA 30374- 0241.
Report fraud: Call (888) 766-0008 and write to address above.
TDD: (800) 255-0056
PO Box 9532
Allen TX, 75013
Report fraud: Call (888) EXPERIAN (888-397-3742) and write to address above.
TDD: Use relay to fraud number above.
TransUnion Fraud Victim Assistance
P.O. Box 2000
Chester, PA 19016
Report fraud: (800) 680-7289 (8:00 AM – 11:00 PM ET) and write to address above.
TDD: (877) 553-7803
E-mail (fraud victims only): firstname.lastname@example.org
Reporting Accurate Negative Information
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
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