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Your credit score can have a huge impact on your life—for better or worse. In many ways, the three major credit bureaus are the keepers of your credit score. They’re responsible for maintaining credit reports, which means you may need to contact them about the information included on yours. While this may seem daunting, it’s really not complicated.

Read on to learn about when to contact a credit bureau and how to do it. Contact information and tips have been provided for each of the three credit bureaus—Experian, Equifax and TransUnion—to make it as simple as possible.

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    When to Contact a Credit Bureau

    Anytime you notice inaccuracies on your credit report, you should immediately contact the credit bureau. This can include misspelled names, incorrect address information, unreported salary changes or erroneous employment information.

    Here are some other reasons why you might need to contact a credit bureau:

    • There are credit cards, collections missed payments or anything else on your report that you don’t recognize.
    • You’re in credit disputes with your credit card issuer or financial institution. You can address this with the credit bureaus, which are required to investigate.

    For help talking to the credit bureaus and starting a credit repair plan, you can work with a professional credit repair agency. They offer credit monitoring, credit repair services and text alerts so you don’t miss a thing.

    Information to Gather before You Call

    You want to have the right information on hand when you call a credit bureau. Prepare yourself by collecting the following information in advance, just in case:

    • Your name, address, Social Security number and date of birth
    • A copy of your annual credit report
    • Evidence of the inaccuracies or errors, if relevant
    • Personal financial information, such as your mortgage information, depending on the reported issue
    • Any other supporting documentation

    Credit Bureau Contact Information

    Because there are so many potential reasons to contact a credit bureau—general inquiries, disputes and credit freezes, for example—there are many different phone numbers and online contact forms to wade through. If you call the wrong number, you may simply be told they cannot help you and directed to call a different number, wasting precious time and energy.

    To help you avoid that frustration, we’ve gathered several ways you can contact the credit bureaus for common inquiries here.

    Equifax Phone Numbers

    Reason to Contact

    Phone Number

    Availability

    General inquiries

    866-640-2273

     

    Service cancellation

    866-243-8181

    8 a.m. to 3 a.m. (ET)
    7 days a week

    Request a copy of your credit report

    866-349-5191

    8 a.m. to midnight (ET)
    7 days a week

    Fraud alert

    800-525-6285

    8 a.m. to midnight (ET)
    7 days a week

    Credit dispute

    866-349-5191

    8 a.m. to midnight (ET)
    7 days a week

    Credit freeze

    888-298-0045

    8 a.m. to midnight (ET)
    7 days a week

    2017 data breach

    888-548-7878

    8 a.m. to midnight (ET)
    7 days a week

    Opt out of mailing lists

    888-567-8688

     

     

    If you don’t like talking on the phone, Equifax also offers live chat support. You can chat with a member of their customer support team between 8 a.m. and midnight (ET), Monday through Friday.


    TransUnion Phone Numbers

    Reason to Contact

    Phone Number

    Availability

    General inquiries

    833-395-6938

    8 a.m. to 11 p.m. (ET)
    Monday–Friday

    Credit dispute

    833-395-6941

    8 a.m to 11:00 p.m. (ET)

    Monday–Friday

    Credit freeze

    888-909-8872

    8 a.m. to 11 p.m. (ET)

    Fraud alert

    800-680-7289

    8 a.m.to 11 p.m. (ET)

    Free annual report

    877-322-8228

     

    Haven’t received your report

    800-888-4213
    800-916-8800 (to speak to a representative)

     

    Manage your subscription

    833-806-1626

    8 a.m. to 9 p.m. (ET)

    Monday–Friday

     

    8 a.m. to 5 p.m. (ET)
    Saturday–Sunday

    Technical support

    833-806-1626

    8 a.m. to 9 pm. (ET)

    Monday–Friday


    8 a.m. to 5 p.m. (ET)
    Saturday–Sunday


    Experian Phone Numbers

    Reason to Contact

     Phone Number

    Availability

    Experian membership

    479-343-6239

    6 a.m. to 8 p.m. (PT)
    Monday–Friday

    8 a.m. to 5 p.m. (PT)
    Saturday–Sunday

    Free credit report

    888-397-3742

     

    Credit dispute

    866-200-6020

     

    Fraud alert

    888-397-3742

     

    Credit freeze

    888-397-3742

     

    Cancel membership

    479-343-6239

     

    ProtectMyID subscription

    866-960-6943

     

    Opt out of prescreened offers

    888-567-8688

     


    Alternatives to Calling Credit Bureaus

    Not all experts think calling a credit bureau is the best approach. Don Petersen, an attorney at Howard Lewis & Peterson, PC, in Utah, recommends calling a bureau for only basic administrative questions—such as updating an address or asking if a recent data breach has affected you.

    For most other issues, Petersen advises his clients to write to credit bureaus or submit disputes online. This provides you with an official record of your request.

    If you do prefer to call a credit bureau, take notes during the call and follow up in writing after the telephone conversation. In your follow-up letter, you should include the name of the representative you spoke with as well as details of what transpired in your conversation.

    Send important requests—especially disputes—through certified mail. This allows you to track the letter and ensure that the credit bureau responds in a timely manner. Never send original copies of documents, as the bureaus may not return anything you send.

    Equifax Mailing Addresses

    Reason for Contact

    Address

    Credit dispute

    Equifax Information Services LLC
    P.O. Box 740256
    Atlanta, GA 30374-0256

    Request a copy of your credit report

    Equifax Disclosure Department
    P.O. Box 740241
    Atlanta, GA 30374-0241

    Fraud alert

    Equifax Information Services LLC
    P.O. Box 105069
    Atlanta, GA 30348-5069

    Credit freeze

    Equifax Information Services LLC
    P.O. Box 105788
    Atlanta, GA 30348-5788


    TransUnion Mailing Addresses

    Reason to Contact

    Address

    Credit freeze

    TransUnion
    P.O. Box 160
    Woodlyn, PA 19094

    Credit dispute

    TransUnion Consumer Solutions
    P.O. Box 2000
    Chester, PA 19016-2000

    Fraud alert

    TransUnion Fraud Victim Assistance
    P.O. Box 2000
    Chester, PA 19016

    Request credit report

    TransUnion LLC
    Consumer Disclosure Center
    P.O. Box 1000
    Chester, PA 19016


    Experian Mailing Addresses

    Reason to Contact

    Address

    Credit dispute

    Experian Dispute Department
    P.O. Box 4500
    Allen, TX 75013

    Credit freeze

    Experian Security Freeze
    P.O. Box 9554
    Allen, TX 75013

    Privacy

    Chief Privacy Officer
    Compliance Department
    Experian
    475 Anton Blvd.
    Costa Mesa, CA 92626

    Report a relative’s death

    Experian
    P.O. Box 9701
    Allen, TX 75013


    Track Your Credit

    Under the Fair Credit Reporting Act, you have the right to obtain a free copy of all three reports once each year. These free reports can be accessed on the government-mandated site operated by the big three credit bureaus, AnnualCreditReport.com.

    You can also sign up for the free credit report card offered by Credit.com, which provides a snapshot of your credit as well as the ability to dig deeper into the elements that affect your credit score. When you sign up, you’ll also get regular emails with tips and tricks for keeping your credit healthy.

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