There are 3 major credit bureaus in the United States, Equifax, Experian, and TransUnion. These 3 credit bureaus report billions of dollars in revenue each and every year! If you need to contact a credit bureau to get your credit report, dispute your credit report to remove incorrect information, request a fraud alert, credit monitoring, or for any reason you can find their information below:
Credit Bureaus Addresses
P.O. Box 2002
Allen, TX 75013
Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
P.O. Box 2000
Chester, PA 19022
Credit Bureau Contact Phone Numbers
We must mention that the credit bureaus do not work for you. The majority of revenue the credit bureaus generate is by selling information they have collected about you to lenders and creditors. This means that the credit bureaus have a different agenda, and their profits are driven more from the information they collect about you than any service or credit report they could potentially sell to you or any other individual.
If you are in the process of disputing credit report information with credit bureaus, we would strongly recommend that you file your credit dispute using certified postal mail. The credit bureaus have enabled you to file a dispute with them online or by phone. But did you know that the FTC fined all 3 of the credit bureaus, because they were allegedly ignoring disputes filed over the phone and making individuals wait for unreasonably long hold times?
If you are working to clear your credit report, you may want to consider professional credit score help. This is in part because the credit bureaus are huge billion dollar business whom critics say have been able to influence lawmakers. Lawmakers have given the credit bureaus the power to first decide if your dispute is valid or invalid before they conduct an investigation. That will potentially remove incorrect information off your credit report.
Critics say this finding of validity before an investigation is started is nothing more than a sophisticated way for the credit bureaus to frustrate you in hopes that you will just give up. The reason the credit bureaus do investigate and remove incorrect information, is because they are required to by federal law.
The Fair Credit Reporting Act was passed in 1970 and this law is what gives you the right to challenge any item on your credit reports that you believe is incorrect, inaccurate, or questionable. For expert credit help get a free credit consultation by calling toll-free 1-877-418-7596. And sign up for our free newsletter for more tips and strategies with Dan Willis.
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