3 Credit Bureaus – Phone Numbers & Addresses for Equifax, Experian and TransUnion

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, but they sure don’t make it easy to get in touch with someone on the telephone.

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

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Credit Bureau Contact Information


Equifax Mailing Address

Equifax Credit Information Services, LLC
P.O. Box 740241, Atlanta, GA 30374

Equifax Phone Numbers:

866-349-5186: Dispute Credit Report Items
800-685-1111: Request Free Credit Report
888-766-0008: Place Fraud Alert on Profile
866-493-9788: Existing Customer Support
888-202-4025: Business Solutions
404-885-8078: Fax Number


Experian Mailing Address

Experian National Consumer Assistance Center
P.O. Box 4500, Allen, TX 75013

Experian Phone Numbers:

800-509-8495: Dispute Credit Report Items
888-397-3742: Report Requests & Fraud Help
877-284-7942: Existing Customer Support
888-243-6951: Business Credit Services
972-390-4908: Fax Line


TransUnion Mailing Address

TransUnion Consumer Relations
P.O. Box 2000, Chester, PA 19016-2000

TransUnion Phone Numbers:

800-916-8800: Disputes Items & Status Checks
877-322-8228: Free Annual Credit Report
800-888-4213: Purchase Credit Report
888-909-8872: Place a Security Freeze
800-493-2392: Credit Monitoring Customer Support
866-922-2100: Business Services Assistance
610-546-4771: Fax Machine

Need Further Assistance?

CreditRepair.com is a leading credit repair company that can answer your credit-related questions, help you work with the credit bureaus to fix your credit report and improve your credit score. Call (866) 573-0338 for a free credit consultation.

Contacting the Credit Bureaus

Whether you’re looking 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, lift a security freeze off your file, sign-up for credit monitoring, or inquire about other personal or business services; we’ve got you covered!

Our credit is one of our most important assets. It extremely helpful to be able to talk to these agencies when you have credit issues and concerns, or simply want to be proactive and monitor your credit profile. The credit bureaus don’t make it easy for you to get in touch with a human, which can make it difficult to get the answers we need. Although you will usually have to go through a series of automated questions first, our goal is to help you get in touch with a live person when you need one.

Accuracy and Feedback

We’ve updated this web page for 2017, but 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. Thanks!

Posted on February 1, 2018 by in Credit Monitoring

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Comments & Discussion

122 Responses to “3 Credit Bureaus – Phone Numbers & Addresses for Equifax, Experian and TransUnion”

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 social security office told me to call the credit bureaus but I can’t get a live person?? Any ideas?

Wes July 25, 2012

Hi Tate,
This article should help.

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!!!

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 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 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.

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. 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.

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.



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 Equifax, 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.

aracely December 28, 2014

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

Wes December 28, 2014

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.

MELISSA March 25, 2015


Wes March 27, 2015

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

TjC March 31, 2015

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?

Wes March 31, 2015

It is most likely valid because Anthem fell victim to a major cyber attack (https://www.anthemfacts.com/).

candida Ramos-Hernandez April 27, 2015

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?

Wes May 3, 2015

Contact the credit bureaus.

Rosemary Sahley July 21, 2015

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

Wes July 21, 2015

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


Galebotse C Modingoana August 3, 2015

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.

Marsha Renner September 16, 2015

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

Marlynn October 2, 2015

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

Tamie Baggett November 9, 2015

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

Acquanette November 22, 2015

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.

TKC December 30, 2015

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.

Sulma Abrilz December 31, 2015

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.

Veronica January 19, 2016

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.

Wes January 28, 2016

Hello Everyone! I’m am sorry if we have not been able to answer all of your questions here. The purpose of this page was just to help you get in touch with each of the credit bureaus.

However, I want so badly to be able to help all of you because I understand how frustrating credit-related issues can be. So I put together a forum over the weekend and promise to share all of the knowledge and resources I have with you, no strings attached, if you repost your questions or concerns there.


Don’t be shy! 🙂 It’s a great place to get you questions answered and help someone else by sharing your experiences.

Jon Eagle January 31, 2016

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

Wes February 1, 2016

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.

Bright Akora February 11, 2016

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.

Wes February 15, 2016

Hi Bright,
I’m sorry, I’m not exactly sure what you’re asking?

Also, creditbureauhub.org has a forum that might be a better place for you to get ongoing free assistance with your questions.

Lisa Andrews Garner May 23, 2016

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.

Wes May 23, 2016

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

Ruth Sprouse May 30, 2016

I call these numbers to get my free credit scores:

Transunion 877-888-4213

Equifax 800-685-1111

Experian 888-397-3742

Eva Townes July 9, 2016

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.

JOSEPH F saveriano July 28, 2016

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

lucas September 7, 2016

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

Wes September 12, 2016

Hi Lucas,

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

Luis October 10, 2016

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.

Wes October 11, 2016

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!

Dianna January 30, 2017

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.

Wes January 31, 2017

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.

Junell April 3, 2017

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.

Wes April 3, 2017

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….

Wes April 4, 2017

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.

Rommel April 26, 2017

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.

Wes April 27, 2017

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.

Chris Shank April 30, 2017

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?

Erin May 1, 2017

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!!!

Wes May 2, 2017

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.

Wes May 2, 2017

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.

Sue May 12, 2017

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.

Wes May 12, 2017

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.

Waymon Ellis Meadows May 20, 2017

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?

John Miller July 13, 2017

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.

Wes July 14, 2017

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.

John July 25, 2017

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!

Wes July 26, 2017

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.

Virginia Kovatch September 9, 2017

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

Wes September 9, 2017

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


William C Schanlaber September 14, 2017

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

Wes September 14, 2017

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

Joseph J. Jones September 15, 2017

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

Wes September 15, 2017

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

Debra Berry September 15, 2017

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.

Wes September 15, 2017

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.

Michelle September 21, 2017

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.

Wes September 21, 2017

Yikes, sorry to hear that Michelle.

Marybeth October 5, 2017

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..

Wes October 5, 2017

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.

Michele October 5, 2017

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?

Wes October 5, 2017

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.

Rosina October 6, 2017

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.

Wes October 6, 2017

Hi Rosina, what do you mean by blacklisted?

ROY ESTRADA October 16, 2017

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

Wes October 21, 2017

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

CJ November 1, 2017

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).

Wes November 2, 2017

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
Free Credit Score Resources

Carolyn Caudill November 3, 2017

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

Wes November 3, 2017

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

crystal grijalva November 8, 2017

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.

Wes November 8, 2017

Hi Crystal,

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

Stacy Robert November 22, 2017

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

Wes November 22, 2017

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.

Dorothy Harryman November 27, 2017

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?

Wes November 27, 2017

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

Linda Morris November 29, 2017

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

Wes November 29, 2017

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!

April Duckworth December 7, 2017

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

Wes December 7, 2017

Hi April,

Which company did you apply for a personal loan through?

Matt spahr January 16, 2018

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.


Wes January 16, 2018

Hi Matt, you have to apply for their data reporting services. However, this might be better suited for your situation:


Jazmin Ambrose January 23, 2018

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

Wes January 24, 2018

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