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.
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
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
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
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
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
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
Reporting Accurate Negative Information
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
