If a consumer is having problems with their credit record, they should find the three major bureaus’ credit reporting addresses and contact them immediately. Getting the credit reporting address and writing the bureaus may be the first step in repairing one’s credit history.
The credit reporting addresses for the each of the bureaus can be found online. The credit reporting addresses for Experian are: 701 Experian Parkway, Allen, TX 5013; P.O.Box 2104,Allen,TX 75013-2104 and P.O. Box 949,Allen,TX 75013. The credit reporting addresses for Equifax are: Equifax Information Services Center , P.O.Box 740241, Atlanta, Georgia 30374-0241 and CBI, 223 Stoneridge Drive, Suite 1, P.O. Box 1446, Columbia, South Carolina. The credit reporting addresses for Transunion are: Transunion Consumer Relations , P.O. Box 1000, Chester , PA 19022;760 Sproul Rd., P.O Box 390, Springfield, PA 19064-0390.
If you write to one of these credit reporting addresses seeking a credit report, you will not receive one for free. Instead, they will cost at least $9. In order to receive a credit report for free, a consumer should visit myannualcreditreport.com. Another method is to obtain it by mail. If the consumer contacts the Federal Trade Commission, they can obtain an Annual Credit Report Request brochure, which they can fill out and mail to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA. 30348-5281. The process will end in receipt of the same government credit reports, but will take several weeks to receive.If a consumer needs more immediate help from the credit agencies, writing to the credit reporting addresses may not be the fastest way to do business. Instead, the consumer should consider calling the credit bureaus or visiting their Web sites online. The Web sites are easily found; Equifax’s is www.equifax.com; Transunion’s site is found at www.transunion.com and Experian’s site is www.experian.com. If the consumer decides the best course of action is to call the credit bureaus and speak with someone directly, that option is also available. Experian’s telephone number is 1-888-Experian or 888-397-3742; Equifax’s telephone number is 1-800-685-1111 and Transunion’s is 1-800-680-7289.