By
eHow Personal Finance Editor
Difficulty: Moderately Easy
Contact Credit Reporting Agencies to Obtain a Credit Report
Step1
Order a free annual consumer credit report online by visiting Annual Credit Report (see link below).
Step2
Point your browser to the PDF file in the Resources section to download the mail order form for a report from all 3 agencies. Complete the form and send to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Step3
Call Experian at 1-888-397-3742 to request a personal credit report.
Step4
Call Experian’s Business hotline at 1-800-520-1221 for business credit services.
Step5
Call Transunion’s service at 1-877-322-8228 for personal assistance.
Step6
Call 1-800-813-5604 for Transunion's corporate help.
Step7
Call 1-800-685-1111 to talk to an agent at Equifax and order a credit report from them.
Step8
Call 1-888-202-4025 for the business liaisons at Equifax.
Contact Credit Reporting Agencies to Dispute Information
Step1
Obtain your credit report. You’ll need one to dispute any charge.
Step2
Visit the Experian site (see link below) to dispute a charge on your Experian account or call 1-888-397-3742.
Step3
You can write to Experian at:
Experian
P.O Box 9532
Allen, TX 75013
Step4
Contact the Transunion dispute center at 1-800-916-8800 or visit them at the ir Web site (see link below).
Step5
Write to Transunion at:
Transunion
P.O Box 6790
Fullerton, CA 92834-6790
Step6
Point your browser to the dispute page at the Equifax Web site )see link below) or call 1-800-525-6285 to reach Equifax.
Step7
Send snail mail to Equifax at:
Equifax
P.O Box 740241
Atlanta, GA 30374-0241
Comments
heatherschulte said
on 7/5/2008 I don't fear the credit reporting beasts, as you put it. The credit reporting agencies simply report the facts as outlined in the Fair Credit Reporting Act. I pay my bills on time and they record that.
cozzo76 said
on 6/5/2008 Hawthorne Abstact Corp is using S.S.numbers without a paper trail. They did this to us. My husband has a rating of over 820 and my sister and brother-in-law have very bad credit. They should not be able to get a $350,000 mortgage on a house they own with my husband. He had no knowledge of. We don't trust your companies if this is possible with you knowing. How reliable are you? We might be losing our own home to these scam artists. It was to be a buyout not a refinancing that is why we know they used my husbands S.S.he is a owner.My name is Antoinette Iannacco,17 Ridgewood Drive,Hockessin,De.19707,iannacco@magage.com 302-239-2749