3 Credit Bureau Phone Numbers – Experian, TransUnion, Equifax

Credit bureau customer service representatives answering the phone.The three major consumer credit bureaus in the United States are Experian, TransUnion, and Equifax. There are several reasons why you might need to contact one of these companies. However, they don’t make it easy to get in touch with someone over the telephone. That’s the main reason we’ve compiled this list of telephone numbers – to help you get in touch with a human customer service representative.

Below you’ll find important contact information for each credit reporting agency, including key customer support phone numbers, mailing addresses, and website addresses. We’ve also summarized the primary services you might need to know about to help you better understand your rights when speaking to the credit bureaus.

Main Credit Bureau Phone Numbers

Here is the main phone number for each of the three major credit bureaus.

  1. Experian phone number: 1-800-493-1058
  2. TransUnion phone number: 1-800-916-8800
  3. Equifax phone number: 1-888-548-7878

How to Talk to a Live Human at the Credit Bureaus

To speak with a real human operator at each of the three main credit bureaus for help with general credit questions, you can call the following phone numbers along with their respective phone prompts.

  • Experian: 1-800-493-1058 – (Enter ‘SSN’ and possibly ‘ZipCode’ >> Say ‘Credit Questions’ >> Say ‘Different Question’ >> Select ‘1’ to continue in English >> wait while you are transferred to someone)
  • TransUnion: 1-800-916-8800 – (Press ‘1’ if English >> say ‘dispute credit report’ >> don’t press anything when it asks for zip code >> wait to be transferred to human)
  • Equifax: 1-888-548-7878 – (Press ‘3’)

Following each of those prompts, your call will be transferred then you’ll have to wait on hold until a customer service representative is available.

Experian Contact Information

Experian logo.
Experian Websitewww.experian.com
Experian Mailing AddressExperian National Consumer Assistance Center
P.O. Box 4500, Allen, TX 75013
Experian Phone NumbersDispute Credit Report Items: 800-493-1058
Report Requests & Fraud: 888-397-3742
Existing Customer Support: 877-284-7942
Business Credit Services: 888-243-6951
Fax Number: 972-390-4925

TransUnion Contact Information

TransUnion logo.
TransUnion Websitewww.transunion.com
TransUnion Mailing AddressTransUnion Consumer Relations
P.O. Box 2000, Chester, PA 19016-2000
TransUnion Phone NumbersDisputes & Status Checks: 800-916-8800
Free Annual Credit Report: 877-322-8228
Purchase Credit Report: 800-888-4213
Credit Fraud Alerts: 800-680-7289
Place a Security Freeze: 888-909-8872
Credit Monitoring Support: 800-493-2392
Business Service Assistance: 866-922-2100
Fax Number: 312-985-4794

Equifax Contact Information

Equifax logo.
Equifax Websitewww.equifax.com
Equifax Mailing AddressEquifax Credit Information Services, LLC
P.O. Box 740241, Atlanta, GA 30374
Equifax Phone NumbersGeneral Credit Inquiries: 800-509-8495
Dispute Credit Report Items: 866-349-5186
Request Free Credit Report: 800-685-1111
Place Fraud Alert on Profile: 888-766-0008
Existing Customer Support: 866-493-9788
Business Solutions: 888-202-4025
Fax Number: 888-826-0598
Borrow up to $50K with low fixed rates.

Helpful Credit Bureau Information, Resources, and Rights

It’s helpful to understand your rights under the Fair Credit Reporting Act when you call the credit bureaus to discuss your concerns. Below you will find a summary of the common reason people call along with links to articles and other resources that help you gain the knowledge you need to resolve your issues as quickly and conveniently as possible. One important note – the credit bureaus are obligated by law to assist you with many of these services for free, but your credit score is not something they are required to provide you at no cost.

Credit Report

Having access to your credit report and score is an important part of being financially fit. Your credit report provides detailed information about your financial track record, including current and past credit accounts, such as credit cards, loans, mortgages, and other debts.

Credit entries in your credit report also contain information about your balances, both past and present, your payment history, creditor inquiries into your credit, and any negative marks, like bankruptcy, foreclosure, collections accounts, or court judgment against you. Knowing what’s included in your credit report helps you better understand how to improve your credit if needed, and it allows you to spot fraudulent or inaccurate activity related to your financial accounts.

Each of the three credit bureaus is required to provide you with a free copy of your credit report each year. You have this right once every 12 months through Equifax, Experian, and TransUnion. The credit bureaus have made the process relatively simple, creating an online platform to obtain your annual credit report for free. You can visit AnnualCreditReport.com to retrieve your credit report for one or all of the credit bureaus when you are ready.

If you don’t want to go through the process of requesting your credit reports online, you also have the option to call 1-877-322-8228 to request it over the phone. The caveat is that you don’t get continuous access to your credit report and won’t receive your credit score through AnnualCreditReport.com. It is a one-time credit report-only service that could be out of date by the time you receive it if you receive your report by mail.

Credit Score

Your credit score is a three-digit number that acts as a gauge of how financially responsible you have been in the past, letting creditors know quickly if you are a good candidate for a new credit account. Having a high credit score means you are likely a low-risk borrower while having a low credit score means you raise some red flags with potential new creditors. Keeping your credit score in good shape is also a necessary part of financial stability, but it can be challenging to know how to accomplish that task. It helps to start with an understanding of how credit scores are calculated.

Your credit score is based on the information found in your credit report, with the following categories contributing to your FICO score calculation:

  • Payment history – 35% of your score calculation
  • Balances owed versus available credit – 30%
  • Length of credit history – 15%
  • New credit – 10%
  • Types of credit accounts used – 10%

Currently, the most common types of credit scores used in evaluating your credit risk include VantageScore and FICO Score. VantageScore is used by many different free credit score providers, such as some banks, credit unions, and credit card issuers, but it is gaining popularity among lenders as well. Your VantageScore credit score may be different from the more widely used FICO score, but the factors that determine the calculation are very similar.

Your FICO credit score is derived from the same information found in your credit reports, but the company behind this scoring method is the Fair Isaac Corporation. This credit score is the one used by the majority of lenders to evaluate your level of risk as a borrower or new account holder.

The credit bureaus are not obligated to provide you access to your credit scores – only your credit reports. However, you can view your credit scores from each of the three bureaus by requesting them directly through Equifax, Experian, or TransUnion. You may also have access to a free credit score (typically VantageScore) through your credit card company or bank. Other services also offer access to your credit score for free after you sign up for an account online.

There are also credit scores for businesses, commonly accessed through Nav.com.

Credit Lock

The credit bureaus also must provide certain tools for you to better manage your identity and credit profiles over time, although these tools do not have to be offered at no cost. A credit lock is one method to help safeguard your credit report and ultimately, your credit score.

Through a credit lock, you can quickly lock down your credit information with a specific credit bureau, either through a simple online website or mobile app request or swipe. Taking this simple step means that creditors cannot access your credit information with that credit bureau, which helps stop new accounts from being established. If you need to unlock your credit, you can do that with a quick swipe or online click too.

Credit locks are offered by the three major credit bureaus. Equifax and TransUnion offer the credit lock option at no cost; however, they both have built this feature into a bundle of products that range in price and include other services like creditor monitoring and access to your credit score.

Experian is the only credit bureau that charges for a credit lock. The cost of $4.99 for the first month, and then $24.99 each month after that. If you want to fully lock your credit you will have to lock it with each credit bureau individually.

Credit Freeze

A credit freeze is another option you can use to protect your credit report. Like a credit lock, it shuts down access to your credit information so that new potential creditors cannot check your report or open new accounts.

However, a credit freeze is governed by federal law, giving you more protection than a credit lock. If an account is established in your name or another identity theft activity takes place, you have certain rights under the law not provided by a credit lock. Also, all credit bureaus are required to offer a credit freeze at no cost to consumers.

The process of establishing a credit freeze is done through each of the credit bureaus independently, either by mail, over the phone, or online. When creating a credit freeze, you will be required to establish a secure account, either with a password, a personal identification number, or both.

The security credit freeze is in place until you “thaw” it, which is done by contacting the credit bureaus and providing your password and/or PIN. Thawing a credit freeze can be more cumbersome than a credit lock, but again, the process offers more protection to you as the consumer.

Fraud Alert

Another way the credit bureaus offer protection to you is through a fraud alert. Typically, a fraud alert is something you place on your credit reports with each of the credit bureaus if you have been the victim of identity theft. If your wallet, your credit card, or other personal and financial information is compromised, a fraud alert makes it more difficult for another person to establish a new account in your name.

Placing a fraud alert on your credit report is done by contacting one of the three credit bureaus. It is free, and the bureau you contact must inform the other two about the alert. Businesses are required to then take extra steps to verify your identity when you want to open a new account. A fraud alert stays on your account for one year, making it less of a protection than a credit lock or a credit freeze.

Disputing Items

Under the Fair Credit Reporting Act, the three credit bureaus are required to provide an avenue for correcting inaccurate information found in your credit report. There are cases when lenders and other creditors get information wrong, alongside instances of the credit bureaus making a mistake. When this happens, the only way for you to know is by checking your credit reports. Once an error is found, you have remedies for getting it corrected directly through each credit bureau.

Disputing a credit report entry can be frustrating, but it is necessary to keep your credit in good standing. Your first step is to report the incorrect information to each credit bureau, in writing, along with documentation of why the information is wrong. You can submit credit report disputes online with each of the three credit bureaus, and they have 30 days to investigate. If they find that the data you provided is accurate, the entry is corrected or removed. The results of your dispute must be provided in writing once complete.

Identity Theft

Each year, millions of Americans experience a compromise of their personal and financial data, and in some cases, this compromise leads to identity theft. When you are the victim of identity theft, it is necessary to take certain steps to protect your credit information from being further damaged. You will need to contact the three credit bureaus to report your identity theft and follow the steps mentioned above to place a credit freeze, a credit lock, or a fraud alert on your reports.

To help prevent identity theft, you can utilize identity theft protection services. These types of services provide a constant review of your credit reports and other sensitive data to determine if and when your identity is at risk. You receive real-time alerts when there may be an issue with your personal information, and you can then take the appropriate steps to stop it or reduce the damage that may come from it.

Credit Repair

Having access to your credit report along with options for protecting your identity are key components of your financial life. However, there are situations where your credit takes a hit. Missed payments, bankruptcy, court judgments, liens, or overspending through credit cards and loans can create a negative credit profile in a hurry. If you’re struggling to manage your credit and get it back on the right path, the credit bureaus won’t do much for you above and beyond correcting legitimate errors. When you need extra help, credit repair may be a viable solution.

Credit repair companies offer services to help you improve your credit over time. Instead of having to deal with the credit bureaus alone as it relates to negative entries, credit repair companies take on the work for you. In exchange for a monthly fee, a credit repair company will fight on your behalf to get negative items removed, helping improve your credit.

It is important to review the legitimacy of a credit repair company before signing up. Credit repair on your own or with the help of a professional takes time. If you need to repair your credit report and score, we recommend Sky Blue Credit.

You can reach out to the organization for a free credit consultation by signing up online.

Credit Monitoring

Credit bureaus also offer credit monitoring, although this may come at a cost to you. Credit monitoring provides timely alerts that provide information about changes to your credit reports. Depending on the service you sign up for, credit monitoring offers notifications via a phone call, a text message, or an e-mail when changes take place. Having access to these alerts allows you to get ahead of any issues that may ultimately damage your credit report, such as fraudulent activity.

Most credit monitoring services provide alerts for the following activities:

  • Hard inquiries for new creditors checking your credit report
  • New accounts established in your name
  • Existing account changes, such as paying off a card or increasing credit limit use
  • Address changes

Each of the three credit bureaus offers credit monitoring as an ongoing service for a monthly fee. However, we recommend the Identity Guard TOTAL plan as it monitors all 3 credit bureaus and costs less than inferior products offered directly from each of those agencies when you sign up using our discounted partner link.

Final Thoughts on Contacting the Three Credit Bureaus

Getting in touch with a live human at any of the three credit bureaus can be a challenge. Knowing which credit bureau phone number to call along with the right prompts can save you both time and frustration.

Understanding what the credit bureaus offer, along with your rights is also helpful in knowing who to contact and through what channel when you need to get help with business or consumer credit information.

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Posted on October 16, 2023 by in Credit Monitoring

Comments & Discussion



183 Responses to “3 Credit Bureau Phone Numbers – Experian, TransUnion, Equifax”


  • On August 17, 2023, Wesley LeFebvre wrote:

    Hi Nick, I’m sorry to hear about that. The easiest way to get access to all three of your credit reports is to request them via annualcreditreport.com.

  • On August 16, 2023, nick wrote:

    All of these want large subscription fees. Im disabled and a victim of identity theft, I need them for legal reasons. How do I get the FREE copies I should have the right to see at any time?

  • On June 1, 2022, Wesley LeFebvre wrote:

    Hi Pruitt, I’m really sorry to hear about your loss. Here’s how to report someone’s passing to the credit bureaus.

  • On May 31, 2022, pruitt wrote:

    How do I fax copies of deceased husband who been dead 4 years ago and how to block intruders from using his name and SSN?

  • On February 23, 2022, Jane wrote:

    Message to Joyce K or Shirer T

    If someone stole your daughter’s don’t worry about it; you have already notified the credit reporting agencies as it is proof here. The first thing she should do is call the Police and get a police report and “get that report number” so you have “reference proof” then call your credit card company and they will cancel all cards and send you another in the mail. An ID or License can always be replaced and IF THEY TRY TO USE YOUR ID, IT WILL BE FLAGGED AS STOLEN and all places ask ID if the card does not fit the signature. Don’t worry, as long as your daughter is OK, materialistic things are of no value…we were all young once!

  • On July 8, 2021, Wesley LeFebvre wrote:

    Hi Kristen,

    First off, I’m very sorry to hear about your loss.

    You should mail a copy of your husband’s death certificate to each of the credit bureaus along with a brief note with your contact information. It’s a good idea to request a copy of his credit reports as well.

  • On July 8, 2021, Kristen Ford wrote:

    What do I need to do to inform the three credit bureaus of the death of my husband?

  • On April 3, 2021, Wesley LeFebvre wrote:

    Hi Carol, you will definitely need your full name, social security number, current address, previous addresses, and perhaps some other personally identifiable information depending on how well the credit bureaus are able to identify you. People with the most common names are typically harder to identify.

  • On April 1, 2021, CAROL SWOPE wrote:

    This website was really helpful. I am going to contact the reporting agencies for my free credit reports. I wish I would know what info. they need when I write to them. Carol Thanks for the info.!

  • On March 10, 2021, Wesley LeFebvre wrote:

    Hi Daniel, I’m sorry to hear about your trouble. Unfortunately, we are not able to do anything on your behalf and I’m not sure what you mean by being blacklisted?

  • On March 5, 2021, DANIEL wrote:

    please clear my name on the blacklisting, capitec blacklisted me, i did email the president mr. ramaphoza

  • On February 2, 2021, Wesley LeFebvre wrote:

    Hi Charles, did you see the section near the top that mentions how to get in touch with someone at each of the credit bureaus?

  • On February 2, 2021, CHARLES PENNINGTON wrote:

    WHAT EVER HAPPEN TO TALKING TO A LIVE PERSON ON THE PHONE. Not someone on live chat. Tried to do a transaction on the phone but made an error. Tried to correct the problem but it would not let me. So tried several numbers so I could speak to someone who could help me correct it .BUT GUESS WHAT KEPT GETTING THE SAME RECORDING. What’s wrong with this world, that you can’t speak with a live person. ARE WE THAT IMPERSONAL THAT WE DON’T HAVE TIME TO HELP SOMEONE WHO NEEDS HELP!!!

  • On October 6, 2020, Musandiwa Azwimpheleli wrote:

    I paid my credit of Truworths Account and Mr Price Account in full last months. The balance owing is R0.00 to both of them. But when I visited the bank to get credit. They said I still have credit that I did not paid in Credit Bureau. When I contact credit I found out that a credit flag for the Truworths and Mr Price. I contact the two shops for settlement letter. they said they will not give me settlement letter. But they will send Credit Bureau to clear the credit off. But it disadvantages myself cause I have to wait for them to clear on their time. Without concern about me cause I am in need of urgent loan at the bank.

  • On September 21, 2020, Wesley LeFebvre wrote:

    Hi Mary, I’m really sorry for the inconvenience. Unfortunately, a lot of numbers have been changing due to COVID-19 and companies changing the way they do business. I have updated them with verified fax numbers; however, they were very difficult to locate as the credit bureaus have been shying away from using fax machines for consumer services. It is recommended you do not send unsolicited information to them via facsimile as they keep making it harder too.

  • On September 19, 2020, MARY TAYLOR wrote:

    Those fax numbers listed above aren’t correct. I just spent 20 minutes trying to fax those numbers and none of them are fax numbers.

  • On July 2, 2020, Wes wrote:

    Hi Peter, you can get your TransUnion and Equifax VantageScore credit scores for free through Credit Karma and your Experian FICO credit score for free through Experian’s website. Or you can get all three scores through Identity Guard which frequently offers discounts on three credit bureau monitoring.

  • On June 29, 2020, peter powell wrote:

    I want all three credit score so I can clean up my credit I have not open any new credit cards either remove all credit cards open in my name this 2020 year

  • On April 13, 2020, Wes wrote:

    Hi Josephine, I’m sorry, but we cannot do that for you. You will need to contact each credit bureau directly.

  • On April 10, 2020, josephine pierce wrote:

    unfreeze my credit account

  • On March 17, 2020, Wes wrote:

    Hi Nena, you can’t stop people from trying to apply for credit in your husbands name, but you can tell each of the credit bureaus he is deceased. In this case it sounds like Experian is already aware of that and denied them credit – exactly how it’s supposed to work! 🙂

  • On March 17, 2020, Nena L Brown wrote:

    How do I take care of an issue where someone has tried to use my deceased’s husband credit rating to open a “Jared The Galleria of Jewelry” credit card? I received a letter from the jewelry store stating that the request couldn’t be process because the credit reporting agency EXPERIAN indicated the person making the request was deceased. My husband is deceased!!!

    Trying to speak to a real person is a joke!

    Please contact me with assistance in this matter. This has me concerned.

    Thank you,
    Nena

  • On February 17, 2020, Wes wrote:

    Hi Ava, If it was a chapter 7 bankruptcy, it should fall off some time this year – 10 years after it was discharged.

  • On February 17, 2020, Ava wrote:

    I filed for bankruptcy in 2010 and it is still on my record. How long does it stay there and do I need to contact the bureaus to have it removed?

  • On January 22, 2020, JOHN AMBROSE wrote:

    I wanted to get a new credit card..my score is sky high, like 810……but jumping the hoops to get my reports unfrozen is so much of a hassle…hell with the action!!!

  • On August 27, 2019, Marcia V Turner wrote:

    I personally don’t agree with the credit agencies being able to sale their services as a monitoring provider. how can you trust the people who load the incorrect information about you to keep control of the right information on you. well it might be a good thing as long as you pay for it. that is so wrong.

  • On August 26, 2019, Wes wrote:

    Hi Mark, it may have been on their website years ago or on a written letter. We’ve had it listed for years with no complaints…

  • On August 24, 2019, Mark wrote:

    I was wondering how you were able to obtain the Expirian 800-509-8495 phone number. This number does not appear anywhere on their web site that I could find. It’s the only one that allows you to talk to a real person as far as I can tell. I wanted to make sure it’s legitimate.

  • On August 13, 2019, Wes wrote:

    I couldn’t agree more, Michelle.

  • On August 13, 2019, Michelle Rosborough wrote:

    The mere fact that all these communications have been posted and we have all this damn technology. Its bullshit that these three agencies have no way of directing communicating without us jumping through hoops.

    THIS IS OUR LIVELIHOOD…….ITS YOUR JOB TO SERVE US.

    Ridiculous

  • On April 29, 2019, Wes wrote:

    Hi Sandra, we can’t provide you with your credit report, but you can request a copy of your credit report from each credit bureau through AnnualCreditReport.com, for free.

  • On April 27, 2019, Sandra A Wilson wrote:

    To whom ever it may. concern I need a copy of my credit report and score from all three Credit Bureaus I am trying to clean up my credit report

  • On April 4, 2019, Wes wrote:

    Hi Batsile, we don’t have access to your credit report so you’ll have to explain more what that item on your credit report is pertaining to. Otherwise, if it’s disputable you will need to contact the credit bureaus directly or work with a credit repair company to get it removed.

  • On April 3, 2019, batsile rangaka wrote:

    My have paid in full effective my Gisela grunwald attorneys on 14/01/2019 and I have the letter from magistrate court for the district ,specifically indicating I have fully paid why is it still on my credit report as active.

  • On March 1, 2019, Wes wrote:

    Hi Sylvia, That is really weird. Unfortunately we can not do anything on your behalf. Have you tried giving your bank a stop payment order?

  • On March 1, 2019, sylvia charney wrote:

    Last August I noticed that I had an entry on my bank statement that I did not authorize…..TRANSUNION.

    For months I am charged over $20.00 for this coverage. This credit organization is difficult to contact.
    My husband and I have tried contacting them, but we get shifted from one telephone service to another.
    Everyone claims they do not have the authority to CANCEL.

    I have been advised to contact my attorney if this can not be resolved and all charges be returned.
    Perhaps you can clear this matter up.

    Thank You.

    Sylvia Charney

  • On February 7, 2019, Wes wrote:

    Hi All,
    I just tested and was able to get in touch with a human operator at each of the 3 major credit bureaus for help with general credit questions by performing the steps I have now including near the beginning of the article.

    I hope this helps!

  • On December 12, 2018, Jean wrote:

    I have a charge on my bank statement for $24.99 from experian. I can’t talk to a “real” person cause its all machine basted. I don’t have a membership w them or anything. So what and why am I being charged for something??? I am asking for a refund since I didn’t set anything up. Where are the REAL people that can help you? These numbers are no good on the websites. I’ve called all of the them. The same voice on the machine comes on asking the same questions. How can I get this taken care off???

  • On November 12, 2018, Wes wrote:

    Hi Penny, yes that number is legitimate.

    https://www.optoutprescreen.com/contact

    Also known as 1-888-5OPT-OUT

  • On November 9, 2018, Penny wrote:

    I keep getting mail to open credit cards. There is a number to call that looks like you can opt out. It says it is the consumer’s reporting agenties. The problem is it wants you to leave your social security number.
    It makes since but I don’t like giving my number over the phone. The number they all give is 888-567-8588. Do you know if this is a legitimate number?
    Thanks for your help.

  • On October 17, 2018, Wes wrote:

    Hi Donathan, I’m sorry to hear that. This articles explains how to do that.

  • On October 16, 2018, Donathan Hundley wrote:

    I need to dispute everything on my credit reports. I had no idea I had even started any credit until I looked at my credit report and discovered someone did it for me. I need help asap. Thanks!

  • On October 15, 2018, Wes wrote:

    Hi Michelle,
    Depending how it is reported on your credit report there isn’t likely anything you can do. You will have to wait until it falls off after 7 years following the filing date.

  • On October 14, 2018, Michelle wrote:

    I have recently had a dismissal of a garnishment.
    The problem is it still on my credit reports.I have
    mail in all court papers that shows this dismissal.
    What is the next step to get this remove. Talking to the creditor is not an option.

  • On October 13, 2018, Wes wrote:

    Hi Lucy,
    Unfortunately they keep those fax numbers private. I’d recommend sending it to them via post mail if you’re not having luck using the other methods.

  • On September 18, 2018, Lucy wrote:

    I am trying to fax my request to TransUnion and Experian…The fax #’s on their websites are not valid. Do you have valid fax #’s for them. I have given up trying to contact them via phone for a business credit report.

    Thanks

  • On September 7, 2018, Wes wrote:

    Hi Kyrie, they have several different phone numbers. What were you trying to contact them about? Perhaps I can see if there is a better number for you..

  • On September 5, 2018, Kyrie’ wrote:

    I called this number 1-866-349-5191; And the number doesn’t match the Equifax number on this website. And while I was talking to someone I could here an man in the back when I was talking to the lady. And she kept on repeating my information and he were telling the lady what to say. I am confused about the intire conversation.

  • On August 29, 2018, Bernadette Gunning wrote:

    Why can’t I contract Transunion and Experian directly to fix my credit, (only one small thing is jeopardizing my credit. It used to be that a person could go directly to Transunion or even call/write a letter to get help. It seems now with a computer system in the works, It is very hard to get a hold of anyone to talk to. To go to a third party. All that is a just paying a monthly fee. and no help at all,

  • On August 10, 2018, Nancy wrote:

    My auto loan has been paid in full effective 6/27/2018 why is it still on my credit report as active. I have a letter from the lending bank specifically indicating the loan is paid in full.

    Thank you for emailing me a respoinse

  • On July 4, 2018, Wes wrote:

    Hi Maggie, I’m sorry to hear that. At bare minimum I’d create a fraud alert, but may want to take addition steps such as freezing your child’s credit, and filing an identity theft report with the FTC. This article will help with all of those steps.

  • On July 3, 2018, maggie wrote:

    My son’s SSN is stolen and I am not sure do I need to block it at the credit bureaus since my son is only a few months old baby.

  • On June 13, 2018, SETH AMPONG wrote:

    I took a loan from HFC bank precisely, Agona Swedru branch. I was supposed to finish payment by the end of September, along the way, I. Defaulted so I quickly rectify it. Not knowing it has been sent to credit bureau. I have cleared the loan, even five months before the date, yet the information is still pending, with zero score which has prevented me from other financial institution to assist me with loan. I have approached the bank severally but could not even find the source to correct the information.

  • On May 2, 2018, Wes wrote:

    Hi Subbaraya, I’m sorry to hear that. You will need to dispute the items with with Experian.

  • On May 2, 2018, Subbaraya A wrote:

    My mother didn’t pay her old medical bills and it got into collections. I was marked as defaulter in my credit report.
    Called up collections and they don’t find anything on my social, but on my phone number, on my mother’s name. How do I get it cleared from Experian?

  • On April 3, 2018, V. Fawn Lagnefors wrote:

    I managed to get live voices on Equifax 1-888-202-4025 and Transunion 1-800-916-8800. Good Luck All!!!!!!

  • On March 9, 2018, Wes wrote:

    Hi Kyle, the lock won’t hurt your credit.

  • On March 9, 2018, Kyle Nabzeska wrote:

    I put a lock on my credit card due to fraudulent charges. Will this go on my credit report as a negative and hurt my score

  • On February 25, 2018, Wes wrote:
  • On February 25, 2018, Wes wrote:

    Yes, proof is exactly what they need. In regards to faxing, I they don’t typically like to receive it that way but may ask you to if you’re working with them.

  • On February 9, 2018, April Harris wrote:

    Hello. I’m trying to get a loan but the ppl I
    Trying to get it from said my account has a fraud alert on it. I’m not sure how it got there since I didn’t place it there but who should I call to remove it. Thanks April

  • On February 7, 2018, Janet Black wrote:

    If you have proof that supports a credit dispute does the credit bureaus look at this and consider this? and can I fax my proof in?

  • On January 24, 2018, Wes wrote:

    Hi Jazmin,
    I’m sorry to hear that, but who is “they?”

  • On January 23, 2018, Jazmin Ambrose wrote:

    Hi I am a victim of credit card fraud, I have invested a lot of money and they won’t give it back! My money seems to still be invested as I can still look up my account with them. I have rung them and all they say is they will ring me back but no one does and if I ask more questions they hang up on me. Please help!! What can I do?? 😔 Feeling stupid
    Thanx Jaz

  • On January 16, 2018, Wes wrote:

    Hi Matt, you have to apply for their data reporting services. However, your tenant can try Experian Boost or one of these other rent reporting services for renters.

  • On January 16, 2018, Matt spahr wrote:

    Hello,
    I am looking to help my tenant by reporting to the credit bureau that they have paid their rent on time for the past year. Can you let me know who I can email or mail a letter to so they get credit on their credit score for doing so.

    Thanks
    Matt

  • On December 7, 2017, Wes wrote:

    Hi April,

    Which company did you apply for a personal loan through?

  • On December 7, 2017, April Duckworth wrote:

    I had applied for loans, and now I am getting so many spam emails, and I was told I need to contact you to be sure there are no information leaks. Can you help me with this please?

    April Duckworth

  • On November 29, 2017, Wes wrote:

    Hi Linda, yeah it can be pretty difficult to get the answers you need when calling them. They’re all pushing to get people to do everything online and as a result not providing the best service possible. Anyway, glad we had the information you needed!

  • On November 29, 2017, Linda Morris wrote:

    I was trying to get the address to all three bureaus to send them a payoff letter or warrent of cancellation letter, Euifax answered and gave me their address but the other two kept me on hold I had to hangup after 30 minutes. I just looked it up on the internet. The only reason I called was because I thought I had to send it to a specific address, Oh Well, I just sent it to the address that was provided on the internet. Thanks

  • On November 27, 2017, Wes wrote:

    They sure do make it difficult to contact by phone don’t they!? These hours are listed within the credit monitoring membership section under contact us, but are probably good for other departments as well.

    Experian Contact Hours

    Monday-Friday 6am to 8pm PT
    Saturday-Sunday 8am to 5pm PT

  • On November 27, 2017, Dorothy Harryman wrote:

    I need to speak with person at Experian. Any number I call,. says closed call during business hours…and hangs up. How do I find the hours open so I can speak to someone?

  • On November 22, 2017, Wes wrote:

    Hi Stacy,
    Unfortunately the landlord needs to report your payment details to the credit bureaus. The only thing you can do is request they do so.

  • On November 22, 2017, Stacy Robert wrote:

    I am renting a house that isn’t getting reported to any of the credit companies. Can I call in with proof showing I’m paying, and paying on time. To help my rental history

  • On November 8, 2017, Wes wrote:

    Hi Crystal,

    Yep, that sure sounds like a scammer. What number did they call from?

  • On November 8, 2017, crystal grijalva wrote:

    I received a phone call this morning about credit and having to get an attorney. It wasn’t this number but they said they were from the credit bureau. I was confused. So I said if this was real then I would have received something in the mail. When I said that the person hung up. I feel it was a scam. So I wanted to see if this website could help me out to see if it was. That way I can share this crazy experience with others so they don’t go through the same thing.

  • On November 3, 2017, Wes wrote:

    Hi Carolyn, I’m sorry to hear that. The credit bureaus won’t necessarily tell you why you were turned down, they just provide you with a copy of your credit report. If it’s been more than a year you can request a fresh credit report from all three credit bureaus, but if less than a year you’ll only be entitled to a free credit report from the credit bureau that was used by the lender. Also, that is the only credit bureau you’ll get a free credit “score” from as well. By law, the lender is obligated to provide you with the main reasons why your loan was denied and credit score used, if you ask within 60 days.

    These article should help:

    Your rights and immediate steps to take after being turned down for a loan
    Tips for those who were turned down for a loan

  • On November 3, 2017, Carolyn Caudill wrote:

    I I recently applied for a loan and was turned down. I understand to get the reasons why I have to contact the credit agencies. Please let me know how I can do that quickly.
    Thank you

  • On November 2, 2017, Wes wrote:

    Hi CJ, unfortunately the credit bureaus don’t offer free credit scores. I’m not sure there’s anything you can do to rush them other than pay for your credit report and score through one of their credit monitoring offers. If you want your credit score for free you’ll typically have to go through 3rd party resources. These articles should help:

    Free Credit Report & Score Websites
    Getting a Free Annual Credit Report from the Credit Bureaus

  • On November 1, 2017, CJ wrote:

    My husband and I are trying to pre-qualify for a mortgage loan and two of the bureaus are not providing a score; can’t get a free report. He has purchased things with credit off and on for the past 20 years so I suspect that somehow they have him mixed up with someone else. What kinds of documents besides license and social security card would you send to expedite the process? Would you recommend sending it as a request for a free report or to dispute info (it seems they want proof of what is being disputed, which we don’t have).

  • On October 21, 2017, Wes wrote:

    Hi Roy, are you looking for information to help you dispute the items in your credit report or just general credit improvement tips?

  • On October 16, 2017, ROY ESTRADA wrote:

    please send me information of how to improve my credit score and how to correct some misleading reports from my creditor

  • On October 6, 2017, Wes wrote:

    Hi Rosina, what do you mean by blacklisted?

  • On October 6, 2017, Rosina wrote:

    I Have been blacklisted and i paid my debt with the JJ Harmse.Now i would like to find out if my name is being cleared or not.

  • On October 5, 2017, Wes wrote:

    Hi Michele, it really depends on what you need to get to them, the time-frame and importance. A safe bet would be sending it certified mail to the addresses above.

  • On October 5, 2017, Michele wrote:

    I need to send some paperwork in to all 3 credit agencies. Can you please tell me how I need to get paperwork to them and what I need to do?

  • On October 5, 2017, Wes wrote:

    Hi Marybeth, I can’t say for sure how likely it is they’ll continue to get your husband and son mixed up, but you’re taking the right step to resolve the issue. Be sure to be as thorough as possible by sending them as much supporting documentation as you can; otherwise, it could take longer.

  • On October 5, 2017, Marybeth wrote:

    I haven’t read all the comments yet so I don’t know if this has ever come up. One of the credit reporting agencies has mixed up my husband and our older son, who both have similar names but not absolutely identical IE son has a middle initial but husband doesn’t. My husband has been impacted by two major credit hacking incidents in the past threes years and got compiled credit reports for a year, which is how we found out that ALL of the agencies now have the same incorrect info. I’m going to use the mail addresses here to contact each of them and see if we can get this straightened out. How likely is it that they’ll do nothing and we’ll continue to have the same problems? I have no idea how it happened since they have different SSN, but something got screwed up somewhere and now it’s spread to all of the agencies..

  • On September 21, 2017, Wes wrote:

    Yikes, sorry to hear that Michelle.

  • On September 21, 2017, Michelle wrote:

    I was on the phone reporting identity theft on my account. I called them 3 times but the quality of the phone was horrible. First, they guy kept saying he couldn’t hear me. I called again. The phone was disconnected while we were heading to the end of the report. Then I called again, I was completely shut off.

  • On September 15, 2017, Wes wrote:

    Hi Debra, most likely that should have fallen off your credit report by now…assuming it was paid off in 2008. Otherwise, they stay on your report 7 years from the close date. Here’s how to dispute an item on your credit report.

  • On September 15, 2017, Debra Berry wrote:

    I have a creditor listed on my credit report since 2008, it have been paid for and closed. How do I get if off my credit report.

  • On September 15, 2017, Wes wrote:

    Hi Joseph, unfortunately you need to contact each of the credit bureaus separately to find that out.

  • On September 15, 2017, Joseph J. Jones wrote:

    I want to know if a freeze has been put on all three of the credit reporting agencies.

  • On September 14, 2017, Wes wrote:

    Hi William, we don’t maintain credit files. You’ll need to get in touch with each of the above credit bureaus.

  • On September 14, 2017, William C Schanlaber wrote:

    Would you please confirm that I currently have a freeze on my credit file with you.

  • On September 9, 2017, Wes wrote:

    Hi Virginia, please take a look at this article. thx.

  • On September 9, 2017, Virginia Kovatch wrote:

    I want to write a letter to each of the companies telling them to freeze my credit. What info do they need?

  • On July 26, 2017, Wes wrote:

    Hi John,
    I’m sorry I’ve never been asked that question before. I’m going to say there’s probably not a difference in the eyes of the credit bureaus. Just to be safe I’d close it myself….if you’re that worried about it. At this point will they let you keep it if you start using it? Why not just buy something every so often and pay it off each time before it incurs interest? That’s what I do, unless it’s a really bad card.

  • On July 25, 2017, John wrote:

    I have what I thought was a fairly simple question but I can’t seem to get a consistent, straight answer from any of the credit bureaus. Perhaps someone here knows the answer or can point me in the right direction: I have a very high credit score and I have a number of credit cards that I dont use. I received a letter from one of the banks informing me that they were going to be closing one of my cards due to inactivity. From what I’ve read, closing credit card accounts can lower your credit score. What I’m wondering is, does it make any difference whether the bank closes the account (credit report would show something like “account closed by credit issuer” or if I close the account first (credit report would show something like “account closed by customer” I realize that my score will go down either way, but I’m concerned that if the bank closes my account, it might reflect badly on my credit report.

    Many thanks!

  • On July 14, 2017, Wes wrote:

    Hi John, we would need to know a lot more about your situation to tell you what you should or shouldn’t do. But that’s not what we do. If you’re having trouble getting credit, have you tried a secured credit card? They’re nearly impossible to get denied for. That will help you re-establish your credit history. Best, Wes.

  • On July 13, 2017, John Miller wrote:

    I am denied credit because I do NOT pass a credit check. My problem is l have NO credit, NOT bad credit. What can l do? Years ago I had great credit. I owe NO ONE, OR NO COMPANIES. I need good credit scores. I HAVE NO CREDIT.

  • On May 20, 2017, Waymon Ellis Meadows wrote:

    My perfect credit was shot when someone infiltrated my account, obtained my information and set up accounts in my name. They charged over $ 60k. When we found out about it and contacted the credit bureaus and told them it was Fraud they did nothing. Now it is about a year later and nothing is done. I received two calls this week from collection agencies asking for me to pay $ 8,192.00 and over $ 55,000.00. Can I sue the credit bureaus?

  • On May 12, 2017, Wes wrote:

    Hi Sue, did you try this from my comment above?

    Equifax – 1-866-349-5191 – (Press 5)

    Please us know if that works for you, so we can tell others it’s still valid. The credit bureaus have a ton of phone numbers that seem to be always changing. Thanks.

  • On May 12, 2017, Sue wrote:

    I needed to talk to a real person. I was able to reach a person at Transunion but he was extremely difficult to understand, but I was able to have my questions answered. Experian by far had the BEST support and was the most helpful. Equifax was no help at all. I was never able to reach a real person and still have questions and do not know where to turn. Equifax services need to be more obtainable. How can I talk to a real person at Equifax? What number do I call? I still have questions and don’t know where to turn.

  • On May 2, 2017, Wes wrote:

    Thanks Erin. Here’s the trick I use to get in touch with a human at each of the credit bureaus.

    Equifax – 1-866-349-5191 – (Press 5)
    TransUnion – 1-800-916-8800 – (Press 4, then 2)
    Experian – 1-800-509-8495 – (Press 2, then 2)

    However, you should probably listen too and follow the appropriate prompts at those three numbers first. If you aren’t satisfied and weren’t able to speak to a live customer service representative, try by calling back and pressing the buttons I mentioned above.

  • On May 2, 2017, Wes wrote:

    Hi Chris, have you tried calling them? Otherwise, you’ll probably have the most luck mailing them explaining your situation. I would send them everything required to lift a credit freeze normally, and explain why you don’t have a PIN. We’ve outlined the steps for lifting a security freeze here.

  • On May 1, 2017, Erin wrote:

    1800-493-1058 A Live person Hooray! I was stuck in a hamster wheel attempting to contact Experian credit agency regarding a possible fraud and finally located this correct #.
    Frustrated when I was continually directed to contact 3 different #’s (888-397-3742, 877-222-0011, 877-322-8228) ALL of these numbers failed to let me speak to an actual person. So I wanted to share the correct number.
    Fun fact: Experian – based out of Dublin Ireland made 4.55 Billion dollars in 2016. While the world watches out for fraud, the credit bureau’s are
    getting billions, literally!!!

  • On April 30, 2017, Chris Shank wrote:

    my credit reports are frozen and I didn’t do it so I don’t have a PIN to unfreeze it. how do I proceed?

  • On April 27, 2017, Wes wrote:

    Hi Rommel, it really depends on the type of debt. Are they past-due accounts? Collections? Or simply balances on good debt that you’ve paid down to zero?

    In general, your creditors should notify the credit bureaus within 30 days that the debt has been paid and your score should change within 60 days.

    Unless you are filing a dispute, the credit bureaus will most likely just wait for the creditors to report that the balance has been paid.

  • On April 26, 2017, Rommel wrote:

    trying to purchase a home. Need to increase my credit score. Was advised to pay off debts and send evidence to the 3 credit bureau for faster results. Can I just fax letter and evidence? How long will it take to update and increase my credit score by all the credit bureau? Thanks.

  • On April 4, 2017, Wes wrote:

    Hi Junell, I just spoke to TransUnion and they said the address is still valid… I’m guessing it was either an employee at TransUnion or the Post Office that doesn’t know the procedure for dealing with Certified Mail to PO boxes.

  • On April 3, 2017, Wes wrote:

    Hi Junell, I’m sorry to hear about that. The address listed above is the same address TransUnion has listed on it’s website and dispute form. Thanks for the update. I haven’t heard of anyone else having an issue, but I’ll see if I can figure out what’s going on….

  • On April 3, 2017, Junell wrote:

    I just tried sending a dispute letter via certified mail to the Chester PA address listed above for Transunion. Post office worker said that address is no longer valid in the postal system for Transunion – only the Corp address in Crum Lynn PA. Just an FYI.

  • On January 31, 2017, Wes wrote:

    Hi Dianna,
    Yeah, that does sound kinda fishy, but you never know. You can request a free credit report from each of the credit bureaus annually through annualcreditreport.com.

  • On January 30, 2017, Dianna wrote:

    Hi! I’m Dianna, I’m not work OK, hadn’t checked my credit in 2 years. A week ago a lawyer’s office called and sended me a letter and called to say that I owed them 3,000 in taxes in the state of Ohio, never lived never visited and never called, and they said someone might have my social security number. I need a credit report can’t afford to pay for my credit report.

  • On October 11, 2016, Wes wrote:

    Hi Luis, I’m sorry to hear that. Which company are you calling or website are you visiting when you are receiving the identity questions? Companies do not share that information, they each use thier own either from answers you’ve given in the past or based off your credit report. So it really depends on who you’re trying to contact.

    To request a free copy of each of your credit reports online you can visit annualcreditreport.com. You can also call to use the automated system at 1-877-322-8228.

    Each credit report you receive will provide you contact information for disputing items in it. We’ve also put together this article to help.

    Best of luck!

  • On October 10, 2016, Luis wrote:

    I want to know who to call to reset my identity questions that im asked. My identity was stolen and i reported it last year in Feb. It has since hindered my ability to get phones on credit. I keep getting asked questions that arent relevant to me. Questions i cant answer because it has been going since i was 8 apparently, maybe longer. Who do i call to get it all fixed and who do i call to dispute every single “claim” on my social and recieve a copy of what is on my credit reports? I want to get my life going as i have graduated from high school, and the person who stole my identity needs to pay with time behind bars for what they did to me. I cant go on living life not being able to purchase or have things that i know i can pay because of security questions that dont pertain to me. I need your help, it weighs to heavy on my mind.

  • On September 12, 2016, Wes wrote:

    Hi Lucas,

    You can receive a free credit report from each of the credit bureaus through annualcreditreport.com.

  • On September 7, 2016, lucas wrote:

    how long is my name listed in credit bureaus how to check my self

  • On July 28, 2016, JOSEPH F saveriano wrote:

    i have wrong information on my credit report. i lost 2 job interviews.recently. please help me to crrect it.thanking you in advance.

  • On July 9, 2016, Eva Townes wrote:

    Hello,
    I need to update my credit report. How do I go about this if the credit bureaus seem elusive. I’ve already obtained a copy of my report. I just want to up date it and remove companies that have gone out of business.

  • On May 30, 2016, Ruth Sprouse wrote:

    I call these numbers to get my free credit scores:

    Transunion 877-888-4213

    Equifax 800-685-1111

    Experian 888-397-3742

  • On May 23, 2016, Wes wrote:

    Hi Lisa,
    I am very sorry to hear about your loss and your mom’s trouble. This article outlines what you need to do.

  • On May 23, 2016, Lisa Andrews Garner wrote:

    I need to place a freeze on my mom’s credit and a fraud alert. I have a poa for her and someone has applied for a credit card in her name and two place that I know of. My dad passed away on march 1st. And she has been living with me the whole time. Please contact me and let me know what I need to do.

  • On February 15, 2016, Wes wrote:

    Hi Bright,
    Sounds like you’ll need to continue working with that company until you get to a resolution. However, if there is negative information on your credit report because of this you should dispute it with each of the credit bureaus showing the bad information.

  • On February 11, 2016, Bright Akora wrote:

    I would like to inquire if a company is over charging me for a bill dispute and they are going to send my names to the credit agencies despite the fact that, there customer services have acknowledegd that the bill I was issues is wrong, but their billing team is dragging to make adecission, to recalculate the bill.
    I need assistance as Iam trying to make mycredit report better.

  • On February 1, 2016, Wes wrote:

    Hi Jon, it sounds like you don’t have a current copy of your credit report which you can get at annualcreditreport.com for free.

    Beyond that I’d need to get a better understanding of your specific concerns.

  • On January 31, 2016, Jon Eagle wrote:

    I don’t think my credit report has been updated recently and I’m trying to purchase a home and need it updated. How can I accomplish this

  • On January 19, 2016, Veronica wrote:

    My son died in October 2015. His babies momma is trying to get cell phones etc using his s.s.#… is there any thing I can do in regards to his credit. Waiting for your reply Wes.

  • On December 31, 2015, Sulma Abrilz wrote:

    I put a freeze on about 2 yrs ago, because my wallet was stolen. I have been trying to take the freeze off for 7 months without success;I don’t remember the passwords,I’m very frustrated because I’m having trouble getting credit approval for merchandise. Please help me.

  • On December 30, 2015, TKC wrote:

    Hello. I just have a question. if I call my credit card companies and have them lower the credit amount available, most of them are extremely high, will that hurt my credit? We were turned down for a loan, and I fear it was because my credit card limits were too high. Thank you.

  • On November 22, 2015, Acquanette wrote:

    I have been separated from my husband for eleven years and we had an eviction which was his and it’s showing up on my credit how do I get that removed.

  • On November 9, 2015, Tamie Baggett wrote:

    How do I find out if a judgement is on someone’s credit report?

  • On October 2, 2015, Marlynn wrote:

    Hi I just ordered my three credit reports and how long will it take for me to actually get it at my doorstep? the reason I ask is because I need them ASAP
    I ordered them Thursday Morning

  • On September 16, 2015, Marsha Renner wrote:

    I am trying to put a freeze on my account asap as u have already done this with both other credit but unable to succeed with trans. I need to do this now over the phone as I called number listed which I am not sure it was valid and gave my ss name and address

  • On August 3, 2015, Galebotse C Modingoana wrote:

    Can you please remove my name because I ddnt go through with Debtbuster. I cancelled. I have the letter if you need the letter I can send it toyou if you can send me fax no.

  • On July 21, 2015, Wes wrote:

    Hi Rosemary,
    They must lift a security freeze within 3 days of receiving notice.

    https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts

  • On July 21, 2015, Rosemary Sahley wrote:

    how long does it take for all 3 credit bureaus to unfreeze a permanent security freeze? I would like to apply for a loan but I can’t because of this freeze security. Thank you

  • On May 3, 2015, Wes wrote:

    Contact the credit bureaus.

  • On April 27, 2015, candida Ramos-Hernandez wrote:

    I am separate from my husband for 13 years and his account are on my credit report and my account’s in his report. .What can we do about?

  • On March 31, 2015, Wes wrote:

    Hi TJC,
    It is most likely valid because Anthem fell victim to a major cyber attack.

  • On March 31, 2015, TjC wrote:

    I got this paper in the mail it says Anthem and says there was a cyber attack and gave me all kinds of numbers to call and check and gave the credit bureaus to call and check. It also said there is a AllClear ID? I am just wondering if this is a scam or true info I need to get this taking care of ASAP? My son is the only one got this and we all had Anthem at one time for dental and vision only and the policy was in my name and not my children’s?

  • On March 27, 2015, Wes wrote:

    Hi Melissa,
    One thing you can do is file a dispute with each of the credit bureaus it has been reported to.

  • On March 25, 2015, MELISSA wrote:

    I HAVE BEEN PAYING A DEBT FOR A WHILE NOW AND JUST PAID IT OFF BUT FOR SOME REASON ANOTHER COLLECTIONS COMPANY HAS REPORTED TO MY CREDIT FOR THE SAME THING IVE BEEN PAYING ON AND NOW PAID OFF. WHAT DO I DO?

  • On December 28, 2014, Wes wrote:

    Hi Aracely,
    I would call the loan company to ask why you were reported late then ask them if the can clear it up for you with the credit bureau. I would also grab all of your documentation and submit a dispute with the credit bureau.

  • On December 28, 2014, aracely wrote:

    I got a loan for 2800 since may and they told the payments will be deducted every 2 weeks from my checking account. I got an update in my credit scored and says im late in 3 payments from this company. I was never late because the payments are deducted. They got their money every time. How can i fix it

  • On August 18, 2014, Wes wrote:

    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.

  • On August 18, 2014, Mike wrote:

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

  • On March 10, 2014, Wes wrote:

    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.

  • On March 10, 2014, Linda wrote:

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

  • On February 17, 2014, Wes wrote:

    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.

  • On February 17, 2014, Jessica wrote:

    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.

  • On September 16, 2013, Wes wrote:

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

  • On September 16, 2013, fridah wrote:

    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

  • On September 9, 2013, Wes wrote:

    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!

  • On August 20, 2013, Julia wrote:

    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?

  • On June 27, 2013, Wes wrote:

    Hi Minnie,

    It really depends on what your inquiry is regarding. For most services, they only allow existing customers 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.
    EXPERIAN:Contact Page.
    TransUnion:Contact Page.

  • On June 26, 2013, minnie macon wrote:

    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 Equifax, and Experian?

  • On May 2, 2013, Wes wrote:

    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.

    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

  • On May 1, 2013, Angie Fowlkes wrote:

    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

  • On March 30, 2013, Wes wrote:

    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!

  • On March 29, 2013, Craig Gann wrote:

    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!

  • On March 5, 2013, Wes wrote:

    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!

  • On March 5, 2013, Cindy wrote:

    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.

  • On January 31, 2013, Dave wrote:

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

  • On October 28, 2012, Wes wrote:

    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. Then contact each credit bureau individually with any discrepancies.

  • On October 28, 2012, Wes wrote:

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

  • On October 20, 2012, Jeralyn wrote:

    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 down 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.

  • On October 13, 2012, Thai Quoc Le wrote:

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

  • On October 1, 2012, Wes wrote:

    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.

  • On October 1, 2012, Diana Gehring wrote:

    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.

  • On September 24, 2012, Wes wrote:

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

    Here’s an article 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!

  • On September 24, 2012, Shirley Ziepfel wrote:

    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.

  • On August 2, 2012, doug szabo wrote:

    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??

  • On July 25, 2012, Wes wrote:

    Hi Tate,
    This article should help.

  • On July 25, 2012, Tate wrote:

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

  • On February 16, 2012, Wes wrote:

    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.

  • On February 16, 2012, Judy wrote:

    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!

  • On February 13, 2012, Wes wrote:

    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.

  • On February 13, 2012, Joyce K. shirer Tyson wrote:

    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!

  • On February 1, 2012, Dwayne Dunston II wrote:

    Thank you for the numbers…

  • On October 19, 2011, natt wrote:

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




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