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The 3 Major Credit Repositories

Equifax, Experian, Trans-Union, accumulate data on which to base your credit history. Their names, addresses and phone numbers are shown below.

It is normally very difficult to speak to a live person at these agencies; instead you are directed through a voice-mail maze which will give you instructions on how to get a copy of your report, what it may cost, or how to deal with a problem you may have.

In any case, it is better to communicate in writing. Use certified mail so you will get a receipt showing that the agency received your letter and when they received it.

EQUIFAX
P.O. Box 105873
Atlanta GA 30348
(800) 685 1111

http://equifax.com
EXPERIAN (formerly TRW)
P.O. Box 8030
Layton UT 84041-8030
(800) 520 1221
(800) 682 7654

http://experian.com
TRANS-UNION
P.O. Box 390
Springfield PA 19064
(800) 961 8800
(800) 851 2674

http://transunion.com
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