How to Contact All Three Credit Bureaus

People contact credit bureaus for a variety of reasons, from correcting an error to determining what their credit status is before applying for a loan. Most adults have a credit file with three United States agencies: Equifax, Experian and TransUnion. All three collect information reported from businesses such as lenders and both local and federal courthouses. Everyone has the right to see his or her credit report for free one time each year, and can request additional views for a fee. Because Equifax, Experian and TransUnion are separate bureaus, you must contact each one separately.

Step 1

Writing a letter to any or all of the credit bureaus need not be a complicated process. When sending a letter, be sure to clearly state the reason for your correspondence. For example, if there is a late payment reported on your file that you believe did not happen, then simply write something like "The late payment noted for XXX MasterCard account is inaccurate. Please remove this entry." Include any documentation you have, such as a copy of the credit card statement.

Step 2

Be sure to include your full personal information when writing a letter to the credit bureaus for any reason, including your full name, Social Security Number, date of birth and current address.

Step 3

Writing a letter to Equifax is usually the best way to get a credit report dispute opened up, while the telephone or Internet are alternative ways of fighting a credit report entry or to order more reports.

Equifax Information Services, LLC P.O. Box 740256 Atlanta, Georgia 30374 (800) 685-1111

Step 4

Send your letter to Experian or call them.

Experian P.O. Box 2002 Allen, Texas 75013 (888) 397-3742

Step 5

Send your letter to TransUnion or call them.

TransUnion 2 Baldwin Place P.O. Box 2000 Chester, Pennsylvania 19022 (800) 888-4213

Tip

Remember that you can also get free credit reports if denied for credit. Always include your full name, address, date of birth, and Social Security Number when writing letters to credit bureaus.

Warning

Do not contact credit bureaus on behalf of other people without their consent, as this is a violation of federal law.

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