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Credit Bureaus & Reporting Agencies
Credit bureaus or reporting agencies store information on how you repay your loans. These companies are not responsible for making any credit related decisions regarding your loans. They simply keep track of your repayment history and the loans you have taken over the course of your life.
These bureaus or credit reporting agencies act as the middleman between borrowers and lenders and provide lenders with a valuable tool when it comes time to grant a loan. You as a borrower can argue the material contained in your report through a series of channels. Just as the borrowers report your history to the bureaus you may also question the material they report.
Below are the three major credit agencies in the world. Please contact these agencies directly regarding any information contained in your credit report.
3 Major Credit Reporting Bureaus
Report fraud:
800-525-6285
Order copy of report:
P.O. Box 740241, Atlanta, GA 30374-0241
Or call: 800-685-1111
Dispute information in report:
P.O. Box 740256, Atlanta, GA 30374-0256
Or call the phone number provided in your credit report
Opt out of pre-approved offers of credit:
800-219-1251 (California only)
Or write: Equifax Options, P.O. Box 740123, Atlanta GA 30374-0123
Report fraud:
888-397-3742
By mail: Experian National Consumer Assistance Center
P.O. Box 9530
Allen, TX 75013
Order copy of report:
Experian National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
Or call: 888-397-3742
Dispute information in report:
Contact Experian at address and phone number provided on your credit
report
Opt out of pre-approved offers of credit:
Call 888-567-8688
Report fraud:
800-680-7289
Order copy of report:
P.O. Box 390
Springfield, PA 19064
Or call: 800-916-8800
Dispute information in report:
Call number provided on credit report or use "investigation
request form" provided by TransUnion when you order your report.
Opt out of pre-approved offers of credit and marketing lists:
800-680-7293