Equifax, Experian, and TransUnion are the three major credit reporting agencies that play a pivotal role in assessing and documenting individuals’ credit histories across the United States. These agencies collect and maintain vast amounts of financial data, including credit card accounts, loans, and payment histories, to generate credit reports. Lenders use these reports to evaluate an individual’s creditworthiness when making decisions about loans, credit cards, and other financial transactions. Equifax, with its headquarters in Atlanta, Georgia, is known for providing comprehensive credit information services. Experian, headquartered in Dublin, Ireland, operates globally and offers credit reporting and marketing services. TransUnion, based in Chicago, Illinois, specializes in providing credit information and risk management solutions. Consumers are encouraged to regularly review their credit reports from these agencies to ensure accuracy and take proactive steps to manage their credit health effectively.
Below you will find contact information for each credit bureaus.
Equifax | Experian | TransUnion |
http://www.equifax.com/personal/credit-report-services/ | www.experian.com | http://www.transunion.com/credit-help |
1-888-298-0045 | 1-888-397-3742 | 1-800-916-8800 |
Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069 | Experian Fraud Alert, P.O. Box 9554 Allen, TX75013 | TransUnion Fraud Alert, P.O. Box 2000 Chester, PA 19016 |
Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788 | Experian Credit Freeze, P.O. Box 9554 Allen, TX 75013 | TransUnion Credit Freeze, P.O. Box 160 Woodlyn, PA 19094 |