Major Credit Reporting Agencies

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


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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.

Have you seen your credit score? Lenders have and it can set your interest rate! See yours plus a free credit report, online in seconds.


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.

What's your Credit Score? A good credit score is 775+ and can save you money. See yours now - $0


Q: How can I monitor my credit at the major credit reporting agencies?

A: When it comes to credit, you need complete information. Simplify the process by combining your credit history from all three major credit reporting agencies into one report.

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Major Credit Reporting Agencies - Help finding the three major credit reporting agencies is found here.