Major Credit Reporting Agencies
Contact Information

Here is how to contact the three major credit reporting agencies, Equifax, Experian, and TransUnion. For busy people on the run, helpful Quick Facts break down the mystery of credit history and credit scores.

Three Major Credit Reporting Agencies

How to contact Equifax, Experian, and Transunion credit bureaus:

  • Equifax
    P.O. Box 740241
    Atlanta, GA 30374

  • Experian
    P.O. Box 2002
    Allen, TX 75013

  • TransUnion
    P.O. Box 1000
    Chester, PA 19022

Credit Bureau And Credit Score Quick Facts

Brush up on your knowledge of credit bureaus with Ask Kate's 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 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 monitor my credit at the 3 major credit bureaus?

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

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