How to contact the Credit Bureaus

The Credit Bureaus are simply there to keep records, nothing more

Don’t be intimidated, they simply keep a record of who has granted you credit, when credit was granted, how much line of credit you were given and of course whether you paid it on time or not. When you want to obtain loans, credit cards, financing for a home or car, leases of any type, apartments or townhomes and sometimes even your employment, the institution trying to grant a line of credit will check your credit history.

Credit Bureaus are usually paid by the institution that requests your credit report. Most of the time, they pass on that fee to you in the form of an application fee or an annual membership fee.

Remember this; none of the Credit Bureaus have any legal power over you. They are not run by financial institutions, law enforcement agencies or the government; so do not be intimidated by their representatives. They are the Credit Bureaus because they own databases capable of storing credit large amounts of information on anyone in the America. Because of the enormous amounts of data on their computers, their method of storing information is very basic and filled with too many errors. Since the bureaus have made many mistakes in the past, just about every Federal Law regarding credit scoring and credit info is in your favor.

Credit Bureaus’ Contact Information

Equifax, Inc.

P.O. Box 740241

Atlanta, GA 30374

---(800) 685-1111---

http://www.equifax.com 

EXPERIAN

P.O. Box 2002

Allen, TX 75013

---(888) 397-3742---

http://www.experian.com

Trans Union Corporation

P.O. Box 1000

Chester, PA 19022

---(800) 888-4213---

http://www.transunion.com