The Big Three Credit Bureaus:
Experian, Equifax and TransUnion
Knowing about the companies which compile and distribute enormous amounts of your credit information is important. Here is a general introduction to the "big three" credit reporting bureaus, along with their contact information:
Experian
Experian is a London-based global information, analytical tool and marketing services company, employing over 15,000 people in 38 countries. They work with clients located in more than 65 countries, and achieve annual sales on the order of 4.1 billion dollars. In the United States, Experian has two main offices, in Costa Mesa, CA and Schaumburg, IL, with satellite offices all around the country.
Contact:
General information and to order credit report and score:
www.experian.com
888-EXPERIAN (888-397-3742)
P.O. Box 2002, Allen TX 75013Disputes:
www.experian.com/disputes
800-583-4080, 9am-5pm in your time zone
P.O. Box 9595, Allen TX 75013To report fraud or ID Theft:
www.experian.com
888-EXPERIAN (888-397-3742) and write
P.O. Box 9539, Allen, TX 75013TDD:
800-972-0322
Equifax
Based in Atlanta, GA., Equifax is over 100 years old, and employs some 69,000 people in 14 countries across North America, Latin America and Europe. In addition to managing consumer data, they offer advanced analytics and proprietary technologies for businesses.
Contact:
General information and to order credit report and score:
www.equifax.com
800-685-1111
P.O. Box 740241, Atlanta, GA 30374-0241Disputes:
www.econsumer.equifax.com/elsc
800-797-7033, 9am - 5pm in your time zone
P.O. Box 740256, Atlanta, GA 30374To report fraud or ID Theft:
800-525-6285 and write
P.O. Box 740241, Atlanta GA 30374-0241Hearing Impaired:
800-255-0056, ask operator to call
800-685-1111 to request a copy of report
TransUnion
Founded in 1968, TransUnion is headquartered in Chicago. They work with more than 50,000 businesses worldwide, reaching companies and consumers in 25 countries on 5 continents; they maintain credit histories on about 500 million consumers around the globe.
Contact:
General information and to order credit report and score:
www.transunion.com
800-888-4213
P.O. Box 1000, Chester, PA 19022Disputes:
www.transunion.com/investigate
800-916-8800, 8:30am - 4:30pm in your time zone
P.O. Box 2000, Chester, PA 19022-2000To report fraud or ID theft:
www.transunion.com
800-680-7289 and write
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634