Credit Bureau Contact Information

A credit bureau gathers information about how consumers use credit. In other words, they collect information from as many consumer financial transactions or inquiries as they can. They then sell access to that combined information to anyone who has a legally-recognized reason (permissible purpose).

Here is the main address and telephone number for each of the three major credit bureaus:

Equifax
Website : Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111

Experian
Website : Experian
P.O. Box 2002
Allen, TX 75013
1 888 397 3742

Trans Union
Website : Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

Free ways to get your credit report

Don't forget your once a year free report: Annualcreditreport.com

Some states have laws requiring the bureaus to provide more than one free credit report per year. To find out if your state requires this and more details about the cost of ordering your report, see our article on state credit report costs.

If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down 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

If you certify in writing that either 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