3 Credit Bureaus Phone Numbers & Addresses

Contact the credit bureausThe three major credit bureaus in the United States are Equifax, Experian and TransUnion. There are several likely reasons why you might need to contact one of these companies.

You may want to request your free annual credit report, dispute an item on one of your credit reports, check the status of an existing report, order an updated report, place a fraud alert on your credit profile, place a security freeze on your file, sign-up for credit monitoring, or inquire about other personal or business services.

It is important to know which of these agencies to get in touch with if you are having credit issue or concerns, or simply want to be proactive and monitor your credit profile.

Below you find the contact info for each US consumer reporting agency, including important phone numbers, mailing and website addresses.

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Contact Information

equifax
www.Equifax.com
Equifax Credit Information Services, Inc
P.O. Box 740256, Atlanta, Georgia 30374
Equifax Phone Numbers:
1-800-685-1111: Credit Report Inquiries
1-888-766-0008: Place Fraud Alert on Your Credit Report
1-866-493-9788: Credit Reports, Scores and Identity Theft Monitoring
1-888-202-4025: Business Solutions

experian
www.Experian.com
P.O. Box 9554, Allen, Texas 75013
Experian Phone Numbers:
1-888-397-3742: Credit Report / Dispute Information / Fraud & Identity Theft
1-877-284-7942: Triple Advantage Credit Monitoring Membership
1-888-243-6951: Business Credit Services

transunion
www.TransUnion.com
P.O. Box 6790, Fullerton, CA 92834
TransUnion Phone Numbers:
1-800-493-2392: Credit Monitoring Service Inquires
1-800-888-4213: Purchase a Credit Report or Get Free Annual Report
1-800-916-8800: Dispute Items on Credit Report and Status Checks
1-800-680-7289: Fraud Alerts and Identity Theft Information
1-866-922-2100: Business Services Assistance

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If you find an inaccuracy of an agency’s telephone number, website or mailing address, or feel we’ve missed other important contact information, please let us know. We’ll make the appropriate updates as soon as possible.

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Posted on February 13, 2014 by in Credit Monitoring

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36 Responses to “3 Credit Bureaus Phone Numbers & Addresses”


natt October 19, 2011

1-866-922-2100: Business Services Assistance is for new business customers .
existing business customers need to contact :800-730-0126 .

Dwayne Dunston II February 1, 2012

Thank you for the numbers…

Joyce K. shirer Tyson February 13, 2012

These websites are not helpful for someone who need to talk to a person. My daughter is in New York with on phone, her wallet was stolen and I need her credit alert on. No help!

Wes February 13, 2012

I’m sorry to hear about your daughter’s wallet being stolen, Joyce. You should probably be contacting her creditors rather than the credit bureaus.

Judy February 16, 2012

It is very deceiving when you list phone numbers for a credit bureau and what you get when you call is “The Fair Credit Bureau” who wants to sell you some fraud protection for all three agencies before you even know if you need it. This is what happened when calling the first number you have listed for Experian. My general question was never answered. People should know who they are calling!

Wes February 16, 2012

The credit bureaus are businesses, so it wouldn’t surprise me if they tried to sell you something. If you have a better number for Experian, then by all means, please share it here and we’ll update our numbers accordingly. Otherwise, you can click on their logo to visit their website directly, then see if you can find another way to contact them regarding your specific issue.

Best of luck.

Tate July 25, 2012

Need to figure out how to fed flag my sons ssn the ss office told me to call the credit neurons but I can’t get a live person?? Any ideas?

Wes July 25, 2012

Hi Tate,
This article should help. – http://www.aprfinder.com/how-to-set-up-credit-fraud-alert

doug szabo August 2, 2012

i reported via a phone conversation with experian nearly a year ago that while applying for a visa card all three agencies report me as deceased. i obviously am alive or i wouldn’t be typing this. the experian person i talked to said the matter would be investigated (in a heavily foreign voice) and i would be notified of the results. nearly a year later i am still listed as deeceased in their reports. any suggestions??

Shirley Ziepfel September 24, 2012

I have always been told that you can get a FREE credit report at least once a year, (I was told every 6 month’s) I can not get one. Does any one know how I can get one at NO COST!!! We use to have a GREAT credit score, I became disabled, my husband of 33 year’s which was a heavy equipment operator for 25 year’s and was in the union, THEN I became disabled, can not work, can not collect any disability (because I did not go in there and lie and say I was a drunk or strung out on drug’s & let’s don’t forget the nut check, if I would have said one of these things were wrong, I WOULD HAVE GOTTEN IT) I was turned down 2 times even with my doctors standing behind me and backing me up due to a REAL chronic reason so I found out if you tell the truth, THEY WILL TURN YOU DOWN!!!! I am just not some one that lies! Since these two major thing’s have happened in our 33 year’s of paying taxes, we did fall behind, and our credit now stinks. We are just now starting to get on our feet, we are so far behind in EVERY THING just trying to catch up on property taxes is hard but we are working on it every month. Our basement flooded and now I do not even know who we owe and I know some of the things on our report are wrong or not been taken off, but even trying to get some one that the gov. is suppose to offer for FREE ends up costing. our credit went from the 800’s to 578. we can not even get a credit card or lower our mortgage due to this which would cut our house payment almost in 1/2 because we are paying 6% intrest when we could be paying 3 or 4 THIS IS NOT FAIR OR RIGHT!!! we want to get back to where we use to be, but thing’s in life do happen that we have no control of and when you try to fix thing’s and try to get thing’s back on track, no one want’s to help you at all. I use to believe in AMERICA and be PROUD to live here, but since this has happened, and we have went through every single dime we had to try to just stay afloat, no one will even offer us help to get back on track. I do not know where to start! or even where to begin! if ANYONE has any ideas I would be SO GRATEFUL TO YOU!!! talking to these credit bureaus is a JOKE, ALL you get is recording’s. I want to put ALL our bill’s in to one and pay them off with one monthly payment which I THINK we may be able to do IF I could find this so called FREE GOV. COUNSELING HELP, THEY ARE SO CALLED OFFERING, WHICH I CAN NOT DO. THANK’S FOR LISTING, AND ANY HELP FROM ANY ONE, I COULD NOT TELL YOU HOW GRATEFUL I WOULD BE. WE ARE TOO OLD TO START OVER AGAIN, OUR LIVES ARE 1/2 OVER AND WITH THE DISABILITY AND THE JOB LOSS TOTALLY LEFT US BROKE, THIS IS NOT WHAT WE HAD PLANNED FOR THE LAST PART OF OUR LIVES AT ALL!!!
THANKS AGAIN.

Wes September 24, 2012

Hi Shirley,
I’m sorry to hear of your situation. You can get a completely free credit report from each of the credit bureaus by going here: http://www.annualcreditreport.com. Only the report is provided for free though, and not your credit score.

Here’s an article (http://www.aprfinder.com/seeking-credit-counseling-services-for-debt) we wrote with tips for seeking credit counseling services which includes a link to a website with approved credit counseling providers in each state.

I hope that helps!

Diana Gehring October 1, 2012

Hi, I recently divorced (9.22/11). My credit has been great up until Sept as my ex wanted to mess with my credit by not paying the bills he was ordered to pay – 2 joint mortgages and 1 joint car loan. He received the house and condo and car so the judge awarded him the expenses associated with those items. I paid off the one I owned – I have always monitored and kept our credit good until the divorce, now I have no control. I can prove all of this and would like to find out if I can have something put on my credit to let creditors know about this. Can you suggest something. I called, but am not able to get in touch with a representative in person. Thank so much for your consideration.

Wes October 1, 2012

Hi Diana,
I’m sorry to hear that. Have you contacted your divorce attorney to explain what’s happening? Otherwise, you can continue to try and get in touch with the credit bureaus, but depending on your particular situation, they may or may not be able to do anything. At that point, you may want to contact a finance attorney.

Thai Quoc Le October 13, 2012

I would like all three bureau to send me accounts thst i owe money to my address is 3818 22nd ave saramento,ca 95820

Jeralyn October 20, 2012

My son is 22 never had a credit card, earlier this year he tried to apply for one they could not find him in the system so he was turned down. Now he got his own cell phone account and tried again he is turned sown because he has too many revolving account. He pays his cell phone bill on time so apparently someone used his name in a matter of months so what do we do.

Wes October 28, 2012

Hi Thai,
You will need to contact them directly for that. We do not provide that service.

Wes October 28, 2012

Hi Jeralyn,
Without seeing your son’s credit report it’s tough to say for sure.

You can obtain a free credit report from each credit bureau every year: http://www.aprfinder.com/how-to-get-3-free-credit-reports-every-year. Then contact each credit bureau individually with any discrepancies.

Dave January 31, 2013

Absolute nightmare trying to get in touch with a human at Equifax!!!

Cindy March 5, 2013

The Credit Bureaus have “meshed” my accounts and will not supply information to underwriting. I am trying to refinance, and absolutely cannot reach a live person to “unmesh” this mess.

Wes March 5, 2013

Hi Cindy,
I’m sorry to hear that. Unfortunately it sounds like a few people have been having similar issues. I never had a problem when I needed to get in touch with them, but I don’t think I was under time constraints like you are. Hopefully you’re able to get it taken care of. I know how frustrating it can be when you’re trying to refinance your home. Bust of luck with that.

Also, If you have time please take a moment to come back and share which phone numbers – or methods – worked best for you. We will definitely appreciate that, and everyone else visiting this page surely will as well. Thanks!

Craig Gann March 29, 2013

I actually spoke to a breathing Indian woman today when I called Trans Union !!!!
The phone # 1-800-916-8800
Now the other two no such luck! I need to get them to do a simple Inquiry for a paid off item which they’re not up to date ( paid off in 2007 ) and delete that bad mark off my report so I can buy a house!!
It’s bad when me and my son can’t get a home together on account of their negligence!! How come the Better Business Bureu don’t get on their case? This sux bad!

Wes March 30, 2013

Hey Craig,
I’m sorry to hear about your troubles. As far as I know, the BBB only gets involved when someone reports an issue to them directly.

In regards to your specific situation, this article should help you clear up the item on your report.

Best of luck!

Angie Fowlkes May 1, 2013

Our family business was embezzeled by a girl in our accounting department for almost 500,000.00, forcing us to close our business and are in the process of Chapter 7. I was told by the IRS that you can call the 3 major credit monitoring and speak to someone about options to correct your credit due to Theft & Fraud. So far I have yet to find a live phone number to talk to any of the three. Can anyone tell me how to get a human on the phone

Wes May 2, 2013

Hi Angie,
I am sorry to hear that.

I know how frustrating it can be when you can’t get in touch with real person to discuss such an important issue. That’s why we outlined how to submit your dispute using each credit bureaus’ online forms, or sending it to them via the post office.

http://www.aprfinder.com/how-to-dispute-item-on-credit-report

If and when you do get someone on the phone, they will likely send you to the same submission forms anyway, because you’re going to need to submit all of the documentation that supports your claim.

I hope that helps.

Sincerely,

Wes

minnie macon June 26, 2013

I need to speak with someone, and the automated system does not allow you to speak with a representative. Is there a number to speak with a representative at Eqifaz, and Experian?

Wes June 27, 2013

Hi Minnie,

It really depends on what your inquiry is regarding. For most services, they only allow existing customer to contact a representative. If you’re an existing customer with a credit report, please check your credit report for their consumer services number or log-in to your account for additional contact information.

Otherwise, they do allow you to use their automated system, chat with them online or message them via their email form.

Here are links directly to their contact pages for personal services:

Equifax: Contact Page, Contact Help
EXPERIAN:Contact Page
TransUnion:Contact Page

Julia August 20, 2013

I am a merchant and I have a problem people don’t pay the money after consuming the products, or we call charge back. How can I report the bad customers?

Wes September 9, 2013

Hi Julia,
Here’s some helpful customer data reporting information for businesses, from each of the three main U.S. credit bureaus:

Experian Data Reporting
TransUnion Data Reporting
Equifax Data Reporting

I hope that helps!

fridah September 16, 2013

I open a credit last month i found that I’m in credit bureau but I never open an account
Before in my hole life , so what can I do to Clear my name

Wes September 16, 2013

Hi Fridah,
You will need to contact the credit bureau you have a credit file open with to explain your situation.

Jessica February 17, 2014

My husband and I had to fill bankruptcy but everything is still on our credit and now I have to submit all this paperwork to all 3 bureau’s. I have no clue what would be the best way to start the process. Should I mail cooties or email them.

Wes February 17, 2014

Hi Jessica,
I’m sorry to hear that. That information will typically stay on your credit file, but be noted as ‘discharged’ for several years after your bankruptcy if finalized. It also depends on which chapter of bankruptcy you filed. You really should contact them directly to discuss your particular situation. Each credit bureau made need different information from you. I’ve had the most success contacting them via their online dispute forms.

Linda March 10, 2014

How would an individual landlord report to any of the three credit bureaus how his tenants pay their rent payments?

Wes March 10, 2014

Hi Linda,
Please see the links I shared with Julia about 5 comments above yours. Also, Experian offers a rental reporting service which may be of interest to you. The others may too.

Mike August 18, 2014

I have a problem. A Lender said that they can not view my credit score.

Wes August 18, 2014

Hi Mike,
Did they tell you why they can’t view your credit score? Never heard of that before unless they can’t find your credit file at all.