Credit Reporting Agencies

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Equifax
Online Link: https://www.ai.equifax.com/CreditInvestigation/jsp/ECC_Dispute_Login.jsp
Attn: Dispute Verification Process
PO Box 105873
Atlanta, GA 30348
Automated System to receive credit report (800) 685-1111
Fax: 770-375-2773
There is not an option to speak with a Customer Service Representative.  Equifax requires a consumer to obtain a copy of their credit file with a confirmation number assigned and then a telephone number will be given to speak with a representative.
CSC (Equifax's parent company) 800-759-5979
  
Experian
Attn: Profile MNTC Dept
PO Box 2104
Allen, TX  75013-2104
- or -
PO Box 9558
Allen, TX 75013
(888) 397-3742
Fax: 972-390-3838
Risk Score Hotline (to explain scores) (800) 777-2066
There is not an option to speak with a Customer Service Representative.  Experian requires a consumer to obtain a copy of their credit file with a confirmation number assigned and then a telephone number will be given to speak with a representative.  The telephone numbers are effective for one month, and then they are disconnected and a new pool of numbers are issued.
   
Trans-Union
PO Box 1000
Chester, PA  19022
(800) 888-4213
To speak to a customer service representative - (800) 916-8800
Do not choose any option, stay on hold.


                                           Correcting Credit Errors

Keep in mind that the best and quickest way to repair credit errors is to have the company that made the mistake re-report to the bureaus.  However, if that does not work you can address these directly.

The only thing you legally need to supply the credit bureaus for a copy of your report is your name, your social security number and a legal mailing address (P.O. Box is a legal address). 

 

The bureaus also have a right to request a copy of your social security card. They also may request a copy of something showing your address if it is different than what is showing on the report. Send them a billing statement that has your address.

 

Before going any further, you should have copies of your current credit reports. If you don't, you can use the sample letter on the following page as a guideline for requesting your credit reports from the 3 major bureaus.

 

The Credit Bureaus must send you copies of your credit file, free of charge if you were recently denied credit. They will also provide you with one free copy each year. We advise against having anyone you know get your credit file for you because this creates an "Inquiry" on your credit report, and makes it appear as if you are trying to borrow money from somewhere.

 

If you are in a hurry and cannot wait 5 to 10 days to receive your credit report, simply look in your local Yellow Pages under Credit Bureaus. If the Credit Bureaus have a local office or affiliates in your area, you may go there directly and obtain your credit file without delay.

 

When you get the reports, there will be an information page telling you how to read your report. And all three agencies use different formats. The first step is to find all the derogatory items.

 

Look for collection accounts. EQUIFAX lists them at the end of the report, Trans Union mixes them throughout the report. TRW gives a brief paragraph explanation of all accounts. The collections may have a collectors name or account number you do not recognize.

If you don't recognize the account as being one of yours, please don't assume that it is!

 

How to Request A Credit Report

May 1, 2000

TRW
P.O. Box 8030
Layton, UT 84041-8030

To whom it may concern,

Please send me a copy of my current credit file. The following is my current identifying information:

Harry Homeowner
1111 Oak Street
Somewhere, SC 12345

I have lived at the above address for the last two years.
I was born 7/21/64
My Social Security # is 111-222-3333

Thank You,

_________________
Your signature

Print your name

 

Included along with this form must be a proof of address. Show them a phone bill, utility bill, billing statement from any major creditor, etc. It must be a copy of something with your name and current address.

 

Also send them a copy of the front of your Social Security card.

 

Always send letters to Credit Bureaus through certified and return receipt mail. This is available through your local Post Office. 

For more extensive information on exactly what to do - continue to the next article.