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Credit Repair Workshop

The 3 Major Credit Bureaus

There are three major repositories of credit and background information in the U.S. - Equifax, Experian and TransUnion. These credit bureaus are responsible for collecting and maintaining consumer credit reports. These reports are then provided to subscribers, such as landlords, mortgage lenders, credit card companies and others who are deciding whether or not to extend you credit.

When someone obtains credit, the creditor ie. banks, loan company etc. reports the payment history to these repositories. This is usually done monthly but may be done on an irregular basis. These repositories simply accept the information as it comes in electronically.

The 3 Major Credit Bureau Contact Information

Equifax
Equifax

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
To order report: 1-888-378-4329
To report fraud: 1-800-525-6285
Web site: www.equifax.com

Experian
Experian

National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
To order report: 1-888-397-3742
To report fraud: 1-888-397-3742
Web site: www.experian.com

TransUnion LLC
TransUnion

Consumer Disclosure Center
P.O. Box 1000 Chester, PA 19022
To order report: 1-888-909-8872
To report fraud: 1-800-916-8800
Web site: www.transunion.com

Credit Bureau Fraud Alert contacts
Equifax
Equifax

P.O. Box 740250,
Atlanta, GA 30374- 0241.
Report fraud: Call (888) 766-0008 and write to address above.
TDD: (800) 255-0056
Web: www.equifax.com

Experian
Experian

PO Box 9532
Allen TX, 75013
Report fraud: Call (888) EXPERIAN (888-397-3742) and write to address above.
TDD: Use relay to fraud number above.
Web: www.experian.com/fraud

TransUnion
TransUnion

P.O. Box 6790,
Fullerton, CA 92834-6790.
Report fraud: (800) 680-7289 and write to address above.
TDD: (877) 553-7803
E-mail (fraud victims only): [email protected]
Web: www.transunion.com

Credit Repair after Bankruptcy or Foreclosure
Credit Repair after Bankruptcy or Foreclosure