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Contacting Credit Bureaus

by: Sahil | last updated: October 31, 2009
Tags: Contact credit bureaus, Contacting Credit Bureaus, credit bureau address, credit reporting agencies, bureaus, contact information

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Contacting Credit Bureaus

Many people know that it is an excellent idea to get a copy of their credit report at least on a yearly basis. However, not everyone is familiar with how to identify the credit bureaus that supervise credit activity in their country or how to work with those bureaus to mend any inconsistency found on the credit reports. Usually the finest method is to contact credit bureaus directly, rather than using a third party to take care the communication.

The first step in learning how to contact credit bureaus is to obtain the names and common contact data for the bureaus operating in your nation. Many countries have more than one trustworthy bureau in operation. The United States has three major credit bureaus, which means that American citizens will require credit bureaus contact information for all of the three.

One simple method to get hold of that information is to have a discussion with your local banker. The bank can provide you with phone numbers, mailing addresses and even physical addresses you can make use of to get in touch with credit bureaus pertinent to your location. In a few instances, they possibly will also be able to give you with forms that must be finished and returned to the credit bureaus in order to acquire a copy of your credit report.

Usually the credit bureau contact information also comprises a website. However, this is where the consumer must use a great deal of care. There are numerous bogus web sites that assure to assist you to get a credit report from one or more bureaus without any charge. However, the help frequently comes with the recommendation of a credit monitoring service that entails a monthly or yearly charge. If you dont take steps to stop this service after the free of charge initial phase, you may find the complimentary assistance was a great deal more expensive than you expected.

Instead of getting befuddled by a third party source, get in touch with credit bureaus directly. The majority of credit bureaus around the nation will allow written requests for the information or even process requirements over the telephone if you can offer details that help to ascertain your identity.

While on the telephone with the credit bureau, inquire if the bureau runs a web site. If that is the case add the information to your listing of credit bureau contact information and visit the web-site. In future, you may be capable of using the sites to get in touch with credit bureaus for regular updates or to challenge flawed information that shows up on your reports.

The addresses of the three major credit bureaus are as follows: Equifax - P.O. Box 740241, Atlanta, GA 30374, 1-800-685-1111, Experian - P.O. Box 2002, Allen, TX 75013, 1 888 397 3742, TransUnion - P.O. Box 1000, Chester, PA 19022, 1-800-888-4213.

Moreover the bureaus websites are Experian.com, Equifax.com, and TransUnion.com. Visiting the websites will give you further updated information about the toll free numbers for all the three credit reporting agencies.