Telephone Numbers and Mailing Addresses of the Three Major Credit Bureaus
The contact information for the three major credit reporting agencies (or credit bureaus) is below. When you contact them, you must have specific information handy so that they can verify your identity. Note that these agencies have a duty to make sure that the person requesting a copy of his or her credit report is indeed that person and not a thief or unauthorized third party. Therefore, if the information they have on file about you does not match the information you provide to them, there will be a delay in obtaining your report, or they might deny your request altogether.
For example, if you have recently moved, the credit bureau might not have your new address and phone number yet. If you request they send your credit report to your new address, they will refuse your request and ask you to prove you are who you say you are. This might require sending them copies of your driver's license with the new address and a statement from a landlord, utility company, etc. that proves you live at the new address. Therefore, if you want to obtain a copy of your credit report as quickly as possible, it would be wise to phone them first and find out if you can simply order your report over the phone, or need to send them proof of your identity. And, before contacting them, read this page entirely to find out if you would like to obtain free credit reports online with absolutely no catches or hidden fees involved.
Experian
P. O. Box 9595 [see note], Allen, TX 75013-9595 Tel: 888-397-3742
When ordering your credit report, you might be asked to provide the following information: First, middle and last name; current address; previous addresses for the past five years; social security number, date of birth; spouse's name. If you are not entitled to a free credit report, they will charge you a fee around $10 for a copy of your credit report
Note: Experian has a long history of changing its mailing address periodically, so the mailing address provided may not be accurate.
Equifax
P. O. Box 740241, Atlanta, GA 30374-0241 Tel: 800-685-1111
When ordering your credit report, you might be asked to provide the following information: Full legal name, address, social security number, most recent former address. If you are not entitled to a free credit report, they may charge you a fee around $10 for a copy of your credit report.
Trans Union
P. O. Box 1000, Chester, PA 19022 Tel: 800-888-4213
When ordering your credit report, you might be asked to provide the following information: First, middle and last name; current address; previous addresses for past two years; social security number, date of birth; current employer; phone number. If you are not entitled to a free credit report, they may charge you a fee around $10 for a copy of your credit report.
If you want to order your credit reports online, you are entitled to one free credit report each year from each of the three credit bureaus -- Experian, Equifax and TransUnion. The three credit bureaus have set up a website so you can easily order your credit reports online. Click here for more information.
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