Credit Infocenter

How to Contact Credit Bureaus — Equifax, Experian, TransUnion

Written by: Kristy Welsh

Last Updated: August 11, 2017

Do you want to contact one of the big three credit reporting agencies? The information on this page regarding Experian, Equifax and TransUnion may change, but is current as of August 2017. There are a number of reasons why you would need to contact one of the credit bureaus directly — from ordering credit reports to filing credit disputes — so we have included here numerous ways you can reach them. Note, reviewing your credit reports at least once a year helps you protect yourself from identity theft catch incorrect information reported in your credit file, and track the credit repair process. 

How to Order Your Credit Report

Ordering your credit reports has gotten easier thanks to changes in legislation. You can order your credit reports in one of the following ways:

  • Go to AnnualCreditReport.com to order all three reports once a year for free
  • Go to the Equifax site 
  • Go to the TransUnion site
  • Go to the Experian site

If you want to order your credit reports directly from the credit bureaus, they will charge you a fee and try to sign you up for one of their paid credit monitoring services. These services may be worth it if you are trying to clean up your credit, as you can keep an eye on changes to your credit reports and scores, and monitor how well your credit repair efforts are working. If you don't want to pay for your reports, then you will have to get them from AnnualCreditReport.com, which you can supplement with free credit monitoring subscriptions sites like Credit Karma and Credit.com

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Credit Bureaus Address

Experian
P.O. Box 4500
Allen, TX 75013

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30348

TransUnion, LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Credit Bureaus Phone Number

Experian
(888) 397-3742

Equifax
(866) 349-5191

TransUnion, LLC
(800) 916-8800

Credit Bureaus on the Internet

Background of Credit Reporting Agencies

Free Credit Reports

You can get a free report:

  • Once a year from www.AnnualCreditReport.com (does not include your credit score).
  • If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your rejection and mail it to the credit bureaus, requesting your free report.
  • If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from that bureau (free copy from that bureau only).
  • If you certify in writing that you are unemployed and plan to seek employment in the next 60 days.
  • If you are on welfare.
  • If you write to say you were a victim of fraud.

Learn more about credit bureaus.