Often in financial advice, you will see the three main consumer reporting agencies mentioned. However, you may not know who all three are or how to contact them. In the United States, there are three national consumer reporting agencies who determine most of your credit reports and scores. Each one is slightly different and contains different information, but all of it should be 100 percent accurate.
The following are these three agencies and all their contact information.
Equifax Credit Information Services, Inc.
PO Box 740241
Atlanta, GA 303374-0241
Place a fraud alert call 1-888-766-0008
Order a credit report call 1-800-685-1111
Experian Information Solutions, Inc.
Prefers you to contact them via phone or email
1-800-EXPERIAN
Order a credit report call 1-888-397-3742
To place a fraud alert call 1-888-397-3742
TransUnion
By phone, you can call them at the following numbers:
Request a credit report call 1-877-322-8228
Dispute an item on a credit report call 1-800-916-8800
For fraud alerts call 1-800-680-7289
By mail, you can download a special form available on their website.
All three of these organizations allow you to opt out of mailing lists, report fraud, order free credit reports, and much more from each of their websites. Still, it could be an excellent idea to print out this blog and save it in a safe place. Someday, you may need this information and not have easy access to a computer.
If you need just your free credit report for normal yearly maintenance, you can request it from all three agencies at one easy place. Visit https://www.annualcreditreport.com/cra/index.jsp and it will walk you through the easy steps online. The best thing is that it is free and quick; especially if you order it online, you receive it almost instantly upon request. Everyone should take advantage of this service each year.
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