Credit agencies

Credit Bureaus Contact Phone Number Address

Credit Bureaus Contact Phone Number Address

Credit Bureaus Contact Phone Number Address

Contact Information For All of The Credit Bureaus

How Do I Contact the Credit Bureaus?

Credit bureaus, or credit reporting agencies, are companies that collect and maintain consumer credit information then resell it to other businesses in the form of a credit report. There many credit reporting agencies, or credit bureaus, in the United States, but most people are familiar with the big three: Equifax, Experian, and TransUnion. These bureaus are all publicly-traded, for-profit companies who are not owned by the government.

To correct errors on your credit report, you need to contact the credit bureau that is showing erroneous information. Your FICO® score uses the information on your credit reports to calculate your FICO score, so inaccurate or incorrect information on your credit report can hurt your score. It is so important that everything on your credit report is reporting correctly. This includes but not limited to your addresses and name variations.

We recommend you do not use any of their online dispute services to dispute any discrepancies on your reports. In doing so, you will lose some very important rights because you have to agree to their terms when you send the online dispute. You can call them or send by mail a dispute for name differences and wrong address removals.

We recommend you mail them any dispute related to discrepancies in accounts on your credit reports. To contact the bureaus you can use the information below.

The Three Major Credit Bureaus and Their Contact Information

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The Three Major Credit Bureaus: TransUnion, Experian, and Equifax

Equifax Contact Information

Equifax Information Services, LLC.
P.O. Box 740256
Atlanta, GA 30348


Phone:
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

TransUnion

TransUnion LLC
P.O. Box 2000
Chester, PA 19016


Phone:
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

Experian

Experian
P.O. Box 4500
Allen, TX 75013


Phone:
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

The Alternative Credit Bureaus and Their Contact Information

Most people don’t know that in addition to the three big credit reporting agencies – Experian, Equifax, and TransUnion – the FCRA also classifies dozens of other information gathering companies as “nationwide specialty consumer reporting agencies” which help produce individual consumer reports. These other agencies can specialize in medical records or payments, residential history, check writing history, employment history, and insurance claims. These nationwide specialty agencies sell their information to the credit bureaus and these bureaus put all of this information together into one comprehensive credit report.

LexisNexis provides computer-assisted legal research as well as business research and risk management services.

LexisNexis provides computer-assisted legal research as well as business research and risk management services.


LexisNexis Consumer File Contact Information

LexisNexis Consumer Center, Attn: Full File Disclosure
P.O. Box 105108
Atlanta, GA, 30348


Phone:
888-497-0011

Innovis is a provider of consumer data solutions and is considered a CRA in the United States.

Innovis is a provider of consumer data solutions and is considered a CRA in the United States.


Innovis

Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358

Innovis Data Solutions
P.O. Box 219297
Houston, TX 77218-9297

Phone:
800.540.2505
877-INNOVIS

CoreLogic Credco is a consumer reporting agency that assembles and evaluates consumer information and provides consumer reports to third parties for the purpose of extending offers of credit, and/or other purposes as permitted by law.

CoreLogic Credco is a consumer reporting agency that assembles and evaluates consumer information and provides consumer reports to third parties for the purpose of extending offers of credit, and/or other purposes as permitted by law.


CoreLogic / Credco

CoreLogic / Credco
P.O. Box 509124
San Diego, CA 92150


Phone:
800-637-2422

SageStream, LLC is a credit reporting agency that issues consumer reports regulated by the Fair Credit Reporting Act (FCRA).

SageStream, LLC is a credit reporting agency that issues consumer reports regulated by the Fair Credit Reporting Act (FCRA).


Sagestream

SageStream, LLC, Consumer Office
P.O. Box 503793
San Diego, CA 92150


Phone:
888-395-0277
858-312-6275 Fax

Advanced Resolution Services ARS is a consumer reporting agency subsidiary of Visa U.S.A that. assists financial institutions in evaluating risk, minimizing losses, and analyzing cardholder accounts.

Advanced Resolution Services ARS is a consumer reporting agency subsidiary of Visa U.S.A that. assists financial institutions in evaluating risk, minimizing losses, and analyzing cardholder accounts.


ARS (Advanced Resolution Services)

ARS (Advanced Resolution Services)
5005 Rockside Rd, Suite 600
Independence, OH 44131


Phone:
216-615-7642 Fax

Collects and provides information on loans and financial services with an emphasis on the lower-income and subprime consumer market segments. Clarity Services is owned by Experian.

Collects and provides information on loans and financial services with an emphasis on the lower-income and subprime consumer market segments. Clarity Services is owned by Experian.


Clarity Services

Clarity Services, Inc
P.O. Box 5717
Clearwater, FL 33758


Phone:
866-390-3118
727-712-9040 Fax

Bad Check Writing and Bank Databases and Their Contact Information

ChexSystems
ChexSystems, Inc

Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125


Phone:
800-513-7125
Fax: 602-659-2197

Telecheck/FirstData
Telecheck/FirstData

TeleCheck Services Inc., Attention: Resolutions Department
P. O. Box 4513
Houston, Texas 77210-4513


Phone:
402-916-8190 FAX

Early Warning
Early Warning

Early Warning, Attn: Consumer Services Department
16552 N. 90th Street
Scottsdale, AZ 85260


Phone:
800-325-7775

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