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.