How Do I Contact the Credit Bureaus?
Contact Information For All of The Credit Bureaus
Credit bureaus, or credit reporting agencies, are companies that collect and maintain consumer credit information then resell it to other businesses in the form of a credit report. There many credit reporting agencies, or credit bureaus, in the United States, but most people are familiar with the big three: Equifax, Experian, and TransUnion. These bureaus are all publicly-traded, for-profit companies who are not owned by the government.
To correct errors on your credit report, you need to contact the credit bureau that is showing erroneous information. Your FICO® score uses the information on your credit reports to calculate your FICO score, so inaccurate or incorrect information on your credit report can hurt your score. It is so important that everything on your credit report is reporting correctly. This includes but not limited to your addresses and name variations.
We recommend you do not use any of their online dispute services to dispute any discrepancies on your reports. In doing so, you will lose some very important rights because you have to agree to their terms when you send the online dispute. You can call them or send by mail a dispute for name differences and wrong address removals.
We recommend you mail them any dispute related to discrepancies in accounts on your credit reports. To contact the bureaus you can use the information below:
The Three Major Credit Bureaus and Their Contact Information
Equifax Contact Information
Equifax Information Services, LLC.
P.O. Box 740256
Atlanta, GA 30348
866-349-5186: Dispute Credit Report Items
800-685-1111: Request Free Credit Report
888-766-0008: Place Fraud Alert on Profile
866-493-9788: Existing Customer Support
888-202-4025: Business Solutions
404-885-8078: Fax Number
Transunion Contact Information
P.O. Box 2000
Chester, PA 19016
800-916-8800: Disputes Items & Status Checks
877-322-8228: Free Annual Credit Report
800-888-4213: Purchase Credit Report
888-909-8872: Place a Security Freeze
800-493-2392: Credit Monitoring Customer Support
866-922-2100: Business Services Assistance
610-546-4771: Fax Machine
Experian Contact Information
P.O. Box 4500
Allen, TX 75013
800-509-8495: Dispute Credit Report Items
888-397-3742: Report Requests & Fraud Help
877-284-7942: Existing Customer Support
888-243-6951: Business Credit Services
972-390-4908: Fax Line
The Alternative Credit Bureaus and Their Contact Information
Most people don’t know that in addition to the three big credit reporting agencies – Experian, Equifax, and TransUnion – the FCRA also classifies dozens of other information gathering companies as “nationwide specialty consumer reporting agencies” which help produce individual consumer reports. These other agencies can specialize in medical records or payments, residential history, check writing history, employment history, and insurance claims. These nationwide specialty agencies sell their information to the credit bureaus and these bureaus put all of this information together into one comprehensive credit report.
Lexis Nexis Consumer File Contact Information
LexisNexis Consumer Center
Attn: Full File Disclosure
P.O. Box 105108
Atlanta, GA, 30348
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Innovis Data Solutions
Post Office Box 219297
Houston, TX 77218-9297
CoreLogic / Credco
P.O. Box 509124
San Diego, CA 92150
SageStream, LLC, Consumer Office
P. O. Box 503793
San Diego, CA 92150
ARS (Advanced Resolution Services)
5005 Rockside Rd
Independence, OH 44131
Clarity Services, Inc.
P.O. Box 5717
Clearwater, FL 33758
Bad Check Writing and Bank Databases and Their Contact Information
Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125
CheckFraud (this is a really old system rarely used)
811 Canary Drive
Charleston, South Carolina
TeleCheck Services Inc.
Attention: Resolutions Department
P. O. Box 4513
Houston, Texas 77210-4513
Attn: Consumer Services Department
16552 N. 90th Street
Scottsdale, AZ 85260