How to Contact Credit Bureaus

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By eHow Contributing Writer

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Good credit, bad credit or no credit--these terms encompass your credit score as reported by credit bureaus. A credit report reports credit history to a potential creditor. The credit score determines if a low interest rate or high interest rate will be used. It also determines if a credit application will be accepted or denied. You credit report can be obtained by contacting a credit bureau.

Difficulty: Moderately Easy

Instructions

When to Contact Credit Bureaus

Step 1

Request a free credit report. A federal law was passed in 1994 that allows one free credit report annually from each reporting bureau. The request can be made online or in writing.
Step 2

Check credit reports annually. This will prevent or make it easier to identify errors and take the necessary action. All errors should be report immediately to the credit bureaus.
Step 3

Prevent identity theft. Always inform the police and credit bureaus if unauthorized charges were made on your credit card.

Credit Bureaus Contact Information

Step 1

Contact credit bureaus from the leading providers by mail:
Equifax, P. O. Box 740256, Atlanta, GA 30374;
Experian, P. O. Box 2002, Allen, TX 75013, and
TransUnion, LLC, P. O. Box 2000, Chester, PA 19022.
Step 2

Call credit bureaus by phone:
Equifax (800) 685-1111;
Experian (888) 397-3742, and
TransUnion LLC(800) 888-4213.
Step 3

Visit the leading providers online (see Resources below).