Major Credit Reporting Agencies

Here is how to contact the three major credit reporting agencies, Equifax, Experian, and TransUnion.

Next for busy people on the run, helpful Quick Facts break down the mystery of credit history and credit scores.

Three Major Credit Reporting Agencies

• 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

Credit Bureau And Credit Score Quick Facts

Q: How many credit bureaus exist?
A: There are three major credit bureaus, Equifax, Experian, and TransUnion.

Q: What is the function of a credit bureau?
A: Credit bureaus gather and report a consumer's history pertaining to debt repayment, judgments, liens, collections, bankruptcies, foreclosures as well as home address and employment data. Banks and other institutions rely on this information to make lending decisions.

Q: Who else views my credit report?
A: Unless you grant permission, credit histories are protected by privacy laws. However besides lending institutions, prospective employers and insurance companies commonly require access to your credit history.

Q: Am I charged for access to my own information?
A: Once a year, individuals can order their credit report free of charge at AnnualCreditReport.com a joint website sponsored by Equifax, Experian, and TransUnion. However credit scores are not free. You will be asked to pay for the credit scores.

Q: What is a credit score?
A: Credit scoring condenses an individual's credit history into a numerical expression known as a score, one for each of the three major credit reporting agencies. Most commonly, the middle score of the three is relied upon for mortgage decisions. That is why it is crucial for consumers to know all three scores.

Q: How can I get all three of my credit scores?
A: When it comes to credit, you need complete information. Simplify the process by combining your credit history and credit scores from all three major credit reporting agencies into one report. Click here for more information.

How To Build, Strengthen and Recover Your Credit

Quick Facts on credit history and credit Scoring - How To Contact Major Credit Reporting Agencies

Improve Credit Rating - Calculate how much you save with improved credit.

Six ways to fix your credit score. Have you seen your credit score? Your lenders has and it can determine your interest rate. See yours plus a free credit report, online in seconds. Do it now!

Last year, paying old collections improved Wilson's credit score ratings. This year, credit report monitoring continues to protect Wilson's credit score ratings.

Do you protect your identity? Stay one step ahead of identity theft. Get LifeLock from $10/month. Learn about identity theft protection here.

Ten step plan to getting your credit in shape - Fixing Bad Credit

Refinancing With Bad Credit - How to avoid a future filled with credit problems

Mortgage Modification 911 - 8 Strategies To Stop Mortgage Foreclosure

Ask Kate About Credit - Ask a question to get an answer from Kate.

Credit Rating Q and A - Find questions and answers relating to credit improvement, true life stories about mortgage credit, and credit repair information.

Assistance A Click Away

Haven't found what you're looking for? Here's the solution! Go ahead and Ask Kate for answers.

Return to the home page of Get-Your-Best-Mortgage-Rate from The Credit Series

Help Spread The Word

Using the convenient buttons below, you can share Three Major Credit Reporting Agencies with your friends.