•Equifax 1-800-685-1111 begin_of_the_skype_highlighting 1-800-685-1111 end_of_the_skype_highlighting - you can get a free report if you have been denied credit in the last 60 days. Make sure that you order only the credit report. Mail within 48 hours.
•TransUnion 1-800-916-8800 begin_of_the_skype_highlighting 1-800-916-8800 end_of_the_skype_highlighting - receive within 6 to 8 business days.
•Experian 1-888-397-3742 begin_of_the_skype_highlighting 1-888-397-3742 end_of_the_skype_highlighting - receive within 8 to 10 business days.
Caution: If your phone request gets lost, you'll have to write to them anyway. If your letter is after 30 days of being denied credit, employment, or insurance, you might have to pay for the report. It would be a good idea to mention in your letter the date that you requested the report by phone. Your written request should contain proof of your identity and current address, such as your driver's license and a copy of a utility bill.
Addresses for Disputes on Credit Reports:
Experian
NCAC
P.O. Box 9556
Allen, TX 75013
Equifax Information Services
P.O. BOX 740256
Atlanta, GA 30374
TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000
General Contact Numbers
Experian
Office in TX: 1-888-397-3742 begin_of_the_skype_highlighting 1-888-397-3742 end_of_the_skype_highlighting
Business: 1-888-211-0728 begin_of_the_skype_highlighting 1-888-211-0728 end_of_the_skype_highlighting
Equifax Information Services
Business Line (also has option for Personal): 1-888-202-4025 begin_of_the_skype_highlighting 1-888-202-4025 end_of_the_skype_highlighting
Office in GA: 1-800-685-1111 begin_of_the_skype_highlighting 1-800-685-1111 end_of_the_skype_highlighting
Dispute Fax #: 1-888-826-0573
Business: 1-802-304-0364 begin_of_the_skype_highlighting 1-802-304-0364 end_of_the_skype_highlighting
General: 1-800-797-6801 begin_of_the_skype_highlighting 1-800-797-6801 end_of_the_skype_highlighting
TransUnion
Office in PA: 1-800-888-4213 begin_of_the_skype_highlighting 1-800-888-4213 end_of_the_skype_highlighting
1-888-259-6845 begin_of_the_skype_highlighting 1-888-259-6845 end_of_the_skype_highlighting (6am-12 pacific time)
1-800-916-8800 begin_of_the_skype_highlighting 1-800-916-8800 end_of_the_skype_highlighting (consumer relations)
Via the World Wide Web
Background of credit reporting agencies:
Free ways to get your credit report
- Don't forget your once a year free report: annualcreditreport.com. Remember, though, this does NOT give you your CREDIT SCORE. To get it, along with some pretty cool credit report analysis tools, sign up for a 7-day trial credit report monitoring service to get 3 reports and your FREE CREDIT SCORE here.
- If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down and mail it to the credit bureaus, requesting your free report.
- If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from that bureau.
- If you certify in writing that either you are unemployed and plan to seek employment in the next 60 days.
- If you are on welfare.
- If you write to say you were a victim of fraud.
- If you are too impatient to wait for this, you can always order your credit report online:
- Get all three credit bureau's information in one merged report along with your FREE Credit Score.
