Credit bureaus create ratings or credit scores based on a given individual's credit card or loan history. The credit report displays information regarding the type of credit card, auto or mortgage or home equity loans you may have, a detailed payment history and any actions that may have been taken against an individual for nonpayment. A credit report also displays personal identity information, public records such as bankruptcy filings, judgements or tax liens, as well as credit or loan limits and balances. Depending on payment history, earnings and balances, individuals are given a credit rating score of between 300 and 850---the higher the score, the better.
Step 1
Write to Equifax at Equifax Information Services, located at P.O. Box 105873, Atlanta, Georgia 30348 or give a call at 1-800-685-1111. In most cases, consumers may receive one free copy of a credit report per year, most shipped out within 48 hours.
Equifax also has several numbers for information in addition to the office number listed above for its Georgia office. Disputes may be faxed to 1-888-826-0573. For general questions call 1-800-797-6801, and for business inquiries call 1-802-304-0364.
Step 2
Contact Experian (which used to be known as TRW) via mail at Experian, P.O. Box 2104, Allen, Texas, 75013-2104 or reach it by phone at its Texas office at 1-888-397-3742. Credit reports are usually mailed and received within 10 business days following receipt of verbal or written request. Business inquiries can be directed to 1-888-211-0728.
Step 3
Call or write to TransUnion at TransUnion Customer Disclosure Center, Trans Union Consumer Relations, P.O. Box 1000, Chester, Pennsylvania 19022-2000. Consumers may also contact the credit bureau by phone at its Pennsylvania office at its consumer relations number: 1-800-916-8800. Credit reports are generally mailed within eight business days. Individuals may also call 1-888-259-6845 between 6 and 12 a.m. Pacific time.
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