How to Contact Credit Reporting Agencies

Credit reporting agencies are feared almost as much as the IRS-and there are three credit reporting beasts compared to just one IRS monster. The problem, of course, is that the credit agencies can make or break your chances at approval for a loan for a car, home, education or even employment. Almost everyone at some point will need to contact the credit companies. Here are some steps to make the communication more efficient and get you the results you need.

Contact Credit Reporting Agencies to Obtain a Credit Report

Order a free annual consumer credit report online by visiting Annual Credit Report.

Point your browser to the PDF file in the Resources section to download the mail order form for a report from all 3 agencies. Complete the form and send to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Call Experian at 1-888-397-3742 to request a personal credit report.

Call Experian's Business hotline at 1-800-520-1221 for business credit services.

Call Transunion's service at 1-877-322-8228 for personal assistance.

Call 1-800-813-5604 for Transunion's corporate help.

Call 1-800-685-1111 to talk to an agent at Equifax and order a credit report from them.

Call 1-888-202-4025 for the business liaisons at Equifax.

Contact Credit Reporting Agencies to Dispute Information

Obtain your credit report. You'll need one to dispute any charge.

Visit the Experian site (see link below) to dispute a charge on your Experian account or call 1-888-397-3742.

You can write to Experian at:

Experian
P.O Box 9532
Allen, TX 75013

Contact the Transunion dispute center at 1-800-916-8800 or visit them at the ir Web site.

Write to Transunion at:

Transunion
P.O Box 6790
Fullerton, CA 92834-6790

Point your browser to the dispute page at the Equifax Web site or call 1-800-525-6285 to reach Equifax.

Send snail mail to Equifax at:

Equifax
P.O Box 740241
Atlanta, GA 30374-0241

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