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Consumer Financial Protection Bureau

Experian is one of the three nationwide providers of consumer reports.

Contact this company to request your report

  • This company will provide one free credit report every 12 months if you request it.
  • This company offers you the option to freeze your report with them if you request it. 
  • Requesting copies of your own consumer reports does not hurt your credit scores. 
  • For companies required to provide the information in your report for free annually upon request, they must do so within fifteen days of receiving your request.
  • This company will provide free credit monitoring services to active duty servicemembers and to National Guard members, by visiting their active military web page .

How to use this report

Here's what's included in this report:.

  • Personal information, such as your name, date of birth, name(s) of loan co-applicants, as well as current and past residential addresses, phone numbers, and employment history if your creditors report it.
  • Information about your payment history as submitted by credit card companies, home and auto lenders (and leasing companies), and other creditors.
  • How much credit you have and use.
  • Information from debt collectors including unpaid medical debt that is greater than 365 days delinquent from date of service and over $500, and past-due debt from cable and phone bills.
  • Some public information like bankruptcies.
  • Inquiries from creditors who have requested your credit reports when you apply for credit.

Free report:

Continuing a policy that began during the COVID-19 pandemic, you can now request your credit reports for free weekly from each of these companies.

How to dispute the information in your report

If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company, such as your lender. Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the consumer reporting companies to whom it provided the inaccurate information.

How to dispute an error on your credit report

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How to Contact Experian

Last Updated: February 19, 2023 Fact Checked

This article was co-authored by Tami Claytor and by wikiHow staff writer, Eric McClure . Tami Claytor is an Etiquette Coach, Image Consultant, and the Owner of Always Appropriate Image and Etiquette Consulting in New York, New York. With over 20 years of experience, Tami specializes in teaching etiquette classes to individuals, students, companies, and community organizations. Tami has spent decades studying cultures through her extensive travels across five continents and has created cultural diversity workshops to promote social justice and cross-cultural awareness. She holds a BA in Economics with a concentration in International Relations from Clark University. Tami studied at the Ophelia DeVore School of Charm and the Fashion Institute of Technology, where she earned her Image Consultant Certification. There are 8 references cited in this article, which can be found at the bottom of the page. This article has been fact-checked, ensuring the accuracy of any cited facts and confirming the authority of its sources. This article has been viewed 80,805 times.

While contacting a company is usually a straightforward process, reaching Experian can actually be kind of tricky. None of the numbers they list on the main website lead to one-on-one assistance, although they can be quite helpful if you’re simply looking for some general information. To get personal help, you can call Experian’s corporate office and then wait for the automated menu to redirect you. You can also reach out to Experian through email or social media. Keep in mind that you cannot receive your credit scores by contacting Experian directly. All requests for a credit score update must be made through their website or in the mail.

Calling Experian to Talk to a Person

Step 1 Dial 1-714-830-7000 to call the Experian corporate office.

  • The automated system will fail to find your information even when you enter it correctly, so don’t hang up or get frustrated if the menu prompts fail to identify you.
  • This number will help you reach someone to assist you with your questions or concerns, but it is advertised on their corporate website as their office number.
  • The corporate office is available Monday through Friday from 8 a.m. to 5 p.m. PST.

Step 2 Press 1 on your keypad if you’re a consumer; press 2 if you’re a client or business.

Tip: If you press 2, you are immediately redirected to a support specialist that services businesses and clients.

Step 3 Enter a social security number and ZIP code if you pressed 1.

  • It may ask you to enter the numeric portion of your street address. To do this, simply press the numbers that correspond with your street. For example, if you live on 2000 Main Street, type 2000 on your keypad.

Step 4 Wait for the menu to redirect you to talk to a consumer support specialist.

  • The support specialist will be able to answer questions or concerns that you may have about your credit score. They may not be able to release certain information over the phone though.

Calling Another Number to Get Automated Assistance

Step 1 Dial 1-888-397-3742 to use Experian’s victim assistance system.

  • If you think you might be a victim of identity theft, you should contact Equifax and TransUnion as well. Call 1-800-525-6285 to reach Equifax’s fraud division, and call 1-800-680-7289 to reach TransUnion’s fraud division.
  • If you have been the victim of identity theft, contact the police immediately.

Warning: If you try to get a credit report through this number, it will play an announcement asking you to write a letter to the Experian headquarters with your personal information and a written request for your credit score. There is no way to check your credit by calling Experian.

Step 2 Call 1-877-284-7942 to use Experian’s consumer care system.

  • You can get information on how to change your membership information through this system if you have moved or changed your name.
  • The automated menu in the customer care system will only redirect you to victim assistance system if it can’t find your information.
  • If you select the fraud reporting option, you will be redirected to the victim assistance system.

Step 3 Dial 1-224-698-5600 if you aren’t sure which automated menu you need.

  • Unlike the other numbers, this automated menu will start by asking if you want information regarding your credit score or to speak with an operator. The operator option will only lead to the automated menus though.
  • Their main corporate office will redirect you to one-on-one live support. This corporate office will not.

Reaching out on Social Media or Email

Step 1 Email support@experiandirect.com for general inquiries.

  • Experian will not respond to inquiries regarding a specific individual’s credit score through email.
  • Keep in mind that even though email is casual if you use it in a business situation, you should follow the format of a formal written letter.
  • If you send an attachment, see if it is correct before sending.

Step 2 Comment on an Experian Facebook post to get assistance.

  • Experian’s Facebook page is much more active than their Twitter profile, so try using Facebook first before jumping over to Twitter.

Step 3 Tweet or send direct messages to @Experian on Twitter.

Tip: The posts on Experian’s Facebook page and their Twitter profile are different, which means they may have different teams of employees running them. If you don’t get a response on one platform, you may have better luck on the other.

Expert Q&A

You might also like.

Contact Facebook

  • ↑ https://corporateofficeheadquarters.org/experian/
  • ↑ https://gethuman.com/phone-number/Experian
  • ↑ https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/victim-assistance/
  • ↑ http://www.experian.com/privacy/online_credit_reports.html
  • ↑ https://www.experian.com/contact/corporate-contacts.html
  • ↑ https://www.experian.com/privacy/contact.html
  • ↑ https://www.facebook.com/experian/
  • ↑ https://twitter.com/Experian?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor

About This Article

Tami Claytor

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How To Reach a Human at Experian, TransUnion or Equifax

From time to time, you may need to get in touch with the three major credit bureaus – Experian , TransUnion and Equifax – for various reasons, including freezing your credit , which money expert Clark Howard believes is the best way to protect your identity.

One issue you may run into when contacting the credit bureaus is reaching a real person.

In this article, I’m going to share with you the steps you can take to reach human beings at the three major credit bureaus.

At Clark.com, we call each of them periodically to stay current on their processes for reaching a real person.

In January 2023, I documented the steps as well as the wait times it took for me to talk to a real person at the following credit bureaus:

How To Reach Humans at Experian, TransUnion and Equifax

Wait times may be longer if you call during peak hours, so try to call early in the day. Also, note that each of the credit bureaus has several phone numbers, each for different issues. What I’ve detailed below is the quickest way I was able to reach a real person .

All the credit bureaus route callers to self-service options. Even after reaching a real person , he or she may have to put you on hold to get you to the department you need.

How to reach Experian customer service phone number

  • Experian phone number : Experian’s official customer service number is: 1-888-EXPERIAN (1-888-397-3742). But I called 888-888-8553 to talk to a human.
  • How to reach a real person : Bypass the prompts that try to route you to the website or automated self-serve by choosing the “other questions” option.
  • Total wait time : Less than 5 minutes

Detailed steps on how to reach a live person at Experian : Enter your Social Security number to confirm your identity.

You’ll be asked, “Would you like to remove the freeze on your credit file now?” If you say yes, you’ll be routed to a self-serve process. I said no.

The automated voice will say: “In a few words, why are you calling today?” It gave me the option to press 9 to hear my choices and that’s what I did. At the end of the prompt, it will say, “For other questions, 6.” I pressed 6.

It will give you a choice to choose credit questions or membership questions. Listen to the list of prompts and soon it will say, “For other membership questions, press 6.” I pressed 6 again.

After that, I was briefly put on hold and then connected to a real person at Experian in just a few minutes.

How to reach a live person at Experian, TransUnion and Equifax

  • TransUnion phone number: The official customer care number for TransUnion is 1-800-916-8800, and that’s the number I called to get to a real person.
  • How to reach a real person: Answer the voice prompts and wait to be connected.
  • Total wait time: Less than 3 minutes

Details on how to reach a live person at TransUnion: To speak to a human at TransUnion, I had to speak to an automated voice, but first I had to enter my mailing ZIP Code.

After answering those questions to verify my identity, I was prompted to state the purpose of my call. A few times I called, I said “Dispute” and was connected to a real person. A couple of times after that, I said “Agent” and was also connected to a human.

How to reach a live person at Experian, TransUnion and Equifax

  • Equifax Phone number : While Equifax’s official customer service phone number is 1-800-846-5279, I found the easiest path to reach a real human is to call this number: 1-866-640-2273 .
  • How to reach a real person : Press 4, then press 1.
  • Total wait time : 4 minutes

Details on how to reach a live person at Equifax : The call will start with some introductory promotions. You’ll hear a menu with five options. You’ll be prompted to:

  • Press 1 to speak to an automated voice about online assistance with changing or disputing your Equifax credit report, placing or removing a security freeze or information regarding your free credit report.
  • Press 2 for login help
  • Press 3 to cancel a product
  • Press 4 to speak to a product specialist
  • Press 5 if you’re having trouble enrolling for a product

If you don’t press anything, it may connect you to a real person in a few second s. If not, here’s what to do: Press 4: You’ll be forwarded to an agent shortly.

After calling multiple times, I found that pressing 4 was the quickest way to reach a human. I also reached a live person by pressing 1, but it took longer.

You may also get the following option: “If you’d like to receive a callback rather than wait on hold, press 1 now. You will not lose your place in line.”

Recap: Quick Ways To Reach a Real Person at the Credit Bureaus

Now that we’ve gone over how to reach a live person at the three major credit bureaus, let’s review:

Reaching real, live help at the credit bureaus can be a pain, but it pays to be persistent.

If you found a great way to contact the credit bureaus, let us know in our Clark.com Community!

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  • How To Monitor Your Credit
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  • 3 Credit Bureau Phone Numbers – Experian, TransUnion, Equifax

Below you’ll find important contact information for each credit reporting agency, including key customer support phone numbers, mailing addresses, and website addresses. We’ve also summarized the primary services you might need to know about to help you better understand your rights when speaking to the credit bureaus.

Main Credit Bureau Phone Numbers

Here is the main phone number for each of the three major credit bureaus.

  • Experian phone number: 1-800-493-1058
  • TransUnion phone number: 1-800-916-8800
  • Equifax phone number: 1-888-548-7878

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How to Talk to a Live Human at the Credit Bureaus

To speak with a real human operator at each of the three main credit bureaus for help with general credit questions, you can call the following phone numbers along with their respective phone prompts.

  • Experian : 1-800-493-1058 – (Enter ‘SSN’ and possibly ‘ZipCode’ >> Say ‘Credit Questions’ >> Say ‘Different Question’ >> Select ‘1’ to continue in English >> wait while you are transferred to someone)
  • TransUnion : 1-800-916-8800 – (Press ‘1’ if English >> say ‘dispute credit report’ >> don’t press anything when it asks for zip code >> wait to be transferred to human)
  • Equifax : 1-888-548-7878 – (Press ‘3’)

Following each of those prompts, your call will be transferred then you’ll have to wait on hold until a customer service representative is available.

Experian Contact Information

Transunion contact information, equifax contact information, helpful credit bureau information, resources, and rights.

It’s helpful to understand your rights under the Fair Credit Reporting Act when you call the credit bureaus to discuss your concerns. Below you will find a summary of the common reason people call along with links to articles and other resources that help you gain the knowledge you need to resolve your issues as quickly and conveniently as possible. One important note – the credit bureaus are obligated by law to assist you with many of these services for free, but your credit score is not something they are required to provide you at no cost.

Credit Report

Having access to your credit report and score is an important part of being financially fit. Your credit report provides detailed information about your financial track record, including current and past credit accounts, such as credit cards, loans, mortgages, and other debts.

Credit entries in your credit report also contain information about your balances, both past and present, your payment history, creditor inquiries into your credit, and any negative marks, like bankruptcy, foreclosure, collections accounts, or court judgment against you. Knowing what’s included in your credit report helps you better understand how to improve your credit if needed, and it allows you to spot fraudulent or inaccurate activity related to your financial accounts.

Each of the three credit bureaus is required to provide you with a free copy of your credit report each year . You have this right once every 12 months through Equifax, Experian, and TransUnion. The credit bureaus have made the process relatively simple, creating an online platform to obtain your annual credit report for free. You can visit AnnualCreditReport.com to retrieve your credit report for one or all of the credit bureaus when you are ready.

If you don’t want to go through the process of requesting your credit reports online, you also have the option to call 1-877-322-8228 to request it over the phone. The caveat is that you don’t get continuous access to your credit report and won’t receive your credit score through AnnualCreditReport.com. It is a one-time credit report-only service that could be out of date by the time you receive it if you receive your report by mail.

Credit Score

Your credit score is a three-digit number that acts as a gauge of how financially responsible you have been in the past, letting creditors know quickly if you are a good candidate for a new credit account. Having a high credit score means you are likely a low-risk borrower while having a low credit score means you raise some red flags with potential new creditors. Keeping your credit score in good shape is also a necessary part of financial stability, but it can be challenging to know how to accomplish that task. It helps to start with an understanding of how credit scores are calculated.

Your credit score is based on the information found in your credit report, with the following categories contributing to your FICO score calculation :

  • Payment history – 35% of your score calculation
  • Balances owed versus available credit – 30%
  • Length of credit history – 15%
  • New credit – 10%
  • Types of credit accounts used – 10%

Currently, the most common types of credit scores used in evaluating your credit risk include VantageScore and FICO Score . VantageScore is used by many different free credit score providers, such as some banks, credit unions, and credit card issuers, but it is gaining popularity among lenders as well. Your VantageScore credit score may be different from the more widely used FICO score, but the factors that determine the calculation are very similar.

Your FICO credit score is derived from the same information found in your credit reports, but the company behind this scoring method is the Fair Isaac Corporation. This credit score is the one used by the majority of lenders to evaluate your level of risk as a borrower or new account holder.

The credit bureaus are not obligated to provide you access to your credit scores – only your credit reports. However, you can view your credit scores from each of the three bureaus by requesting them directly through Equifax, Experian, or TransUnion. You may also have access to a free credit score (typically VantageScore) through your credit card company or bank. Other services also offer access to your credit score for free after you sign up for an account online.

There are also credit scores for businesses , commonly accessed through Nav.com .

Credit Lock

The credit bureaus also must provide certain tools for you to better manage your identity and credit profiles over time, although these tools do not have to be offered at no cost. A credit lock is one method to help safeguard your credit report and ultimately, your credit score.

Through a credit lock, you can quickly lock down your credit information with a specific credit bureau, either through a simple online website or mobile app request or swipe. Taking this simple step means that creditors cannot access your credit information with that credit bureau, which helps stop new accounts from being established. If you need to unlock your credit, you can do that with a quick swipe or online click too.

Credit locks are offered by the three major credit bureaus. Equifax and TransUnion offer the credit lock option at no cost; however, they both have built this feature into a bundle of products that range in price and include other services like creditor monitoring and access to your credit score.

Experian is the only credit bureau that charges for a credit lock. The cost of $4.99 for the first month, and then $24.99 each month after that. If you want to fully lock your credit you will have to lock it with each credit bureau individually.

Credit Freeze

A credit freeze is another option you can use to protect your credit report. Like a credit lock, it shuts down access to your credit information so that new potential creditors cannot check your report or open new accounts.

However, a credit freeze is governed by federal law, giving you more protection than a credit lock. If an account is established in your name or another identity theft activity takes place, you have certain rights under the law not provided by a credit lock. Also, all credit bureaus are required to offer a credit freeze at no cost to consumers.

The process of establishing a credit freeze is done through each of the credit bureaus independently, either by mail, over the phone, or online. When creating a credit freeze, you will be required to establish a secure account, either with a password, a personal identification number, or both.

The security credit freeze is in place until you “thaw” it, which is done by contacting the credit bureaus and providing your password and/or PIN. Thawing a credit freeze can be more cumbersome than a credit lock, but again, the process offers more protection to you as the consumer.

Fraud Alert

Another way the credit bureaus offer protection to you is through a fraud alert . Typically, a fraud alert is something you place on your credit reports with each of the credit bureaus if you have been the victim of identity theft. If your wallet, your credit card, or other personal and financial information is compromised, a fraud alert makes it more difficult for another person to establish a new account in your name.

Placing a fraud alert on your credit report is done by contacting one of the three credit bureaus. It is free, and the bureau you contact must inform the other two about the alert. Businesses are required to then take extra steps to verify your identity when you want to open a new account. A fraud alert stays on your account for one year, making it less of a protection than a credit lock or a credit freeze.

Disputing Items

Under the Fair Credit Reporting Act, the three credit bureaus are required to provide an avenue for correcting inaccurate information found in your credit report. There are cases when lenders and other creditors get information wrong, alongside instances of the credit bureaus making a mistake. When this happens, the only way for you to know is by checking your credit reports. Once an error is found, you have remedies for getting it corrected directly through each credit bureau.

Disputing a credit report entry can be frustrating, but it is necessary to keep your credit in good standing. Your first step is to report the incorrect information to each credit bureau, in writing, along with documentation of why the information is wrong. You can submit credit report disputes online with each of the three credit bureaus, and they have 30 days to investigate. If they find that the data you provided is accurate, the entry is corrected or removed. The results of your dispute must be provided in writing once complete.

Identity Theft

Each year, millions of Americans experience a compromise of their personal and financial data, and in some cases, this compromise leads to identity theft. When you are the victim of identity theft, it is necessary to take certain steps to protect your credit information from being further damaged. You will need to contact the three credit bureaus to report your identity theft and follow the steps mentioned above to place a credit freeze, a credit lock, or a fraud alert on your reports.

To help prevent identity theft, you can utilize identity theft protection services . These types of services provide a constant review of your credit reports and other sensitive data to determine if and when your identity is at risk. You receive real-time alerts when there may be an issue with your personal information, and you can then take the appropriate steps to stop it or reduce the damage that may come from it.

Credit Repair

Having access to your credit report along with options for protecting your identity are key components of your financial life. However, there are situations where your credit takes a hit. Missed payments, bankruptcy, court judgments, liens, or overspending through credit cards and loans can create a negative credit profile in a hurry. If you’re struggling to manage your credit and get it back on the right path, the credit bureaus won’t do much for you above and beyond correcting legitimate errors. When you need extra help, credit repair may be a viable solution.

Credit repair companies offer services to help you improve your credit over time. Instead of having to deal with the credit bureaus alone as it relates to negative entries, credit repair companies take on the work for you. In exchange for a monthly fee, a credit repair company will fight on your behalf to get negative items removed, helping improve your credit.

It is important to review the legitimacy of a credit repair company before signing up. Credit repair on your own or with the help of a professional takes time. If you need to repair your credit report and score, we recommend Sky Blue Credit .

You can reach out to the organization for a free credit consultation by signing up online.

  • Credit Monitoring

Credit bureaus also offer credit monitoring, although this may come at a cost to you. Credit monitoring provides timely alerts that provide information about changes to your credit reports. Depending on the service you sign up for, credit monitoring offers notifications via a phone call, a text message, or an e-mail when changes take place. Having access to these alerts allows you to get ahead of any issues that may ultimately damage your credit report, such as fraudulent activity.

Most credit monitoring services provide alerts for the following activities:

  • Hard inquiries for new creditors checking your credit report
  • New accounts established in your name
  • Existing account changes, such as paying off a card or increasing credit limit use
  • Address changes

Each of the three credit bureaus offers credit monitoring as an ongoing service for a monthly fee. However, we recommend the Identity Guard TOTAL plan as it monitors all 3 credit bureaus and costs less than inferior products offered directly from each of those agencies when you sign up using our discounted partner link.

Final Thoughts on Contacting the Three Credit Bureaus

Getting in touch with a live human at any of the three credit bureaus can be a challenge. Knowing which credit bureau phone number to call along with the right prompts can save you both time and frustration.

Understanding what the credit bureaus offer, along with your rights is also helpful in knowing who to contact and through what channel when you need to get help with business or consumer credit information.

Related Content:

  • TransUnion TrueIdentity Review – Free Identity Theft & Credit Protection
  • 4 Best Sites to Check Your Credit Report and Score for Free
  • How to Speak to Live Person at Experian, Equifax, TransUnion

Posted on October 16, 2023 by Wesley LeFebvre in Credit Monitoring

Comments & Discussion

183 responses to “3 credit bureau phone numbers – experian, transunion, equifax”.

Hi Nick, I’m sorry to hear about that. The easiest way to get access to all three of your credit reports is to request them via annualcreditreport.com.

All of these want large subscription fees. Im disabled and a victim of identity theft, I need them for legal reasons. How do I get the FREE copies I should have the right to see at any time?

Hi Pruitt, I’m really sorry to hear about your loss. Here’s how to report someone’s passing to the credit bureaus .

How do I fax copies of deceased husband who been dead 4 years ago and how to block intruders from using his name and SSN?

Message to Joyce K or Shirer T

If someone stole your daughter’s don’t worry about it; you have already notified the credit reporting agencies as it is proof here. The first thing she should do is call the Police and get a police report and “get that report number” so you have “reference proof” then call your credit card company and they will cancel all cards and send you another in the mail. An ID or License can always be replaced and IF THEY TRY TO USE YOUR ID, IT WILL BE FLAGGED AS STOLEN and all places ask ID if the card does not fit the signature. Don’t worry, as long as your daughter is OK, materialistic things are of no value…we were all young once!

Hi Kristen,

First off, I’m very sorry to hear about your loss.

You should mail a copy of your husband’s death certificate to each of the credit bureaus along with a brief note with your contact information. It’s a good idea to request a copy of his credit reports as well.

What do I need to do to inform the three credit bureaus of the death of my husband?

Hi Carol, you will definitely need your full name, social security number, current address, previous addresses, and perhaps some other personally identifiable information depending on how well the credit bureaus are able to identify you. People with the most common names are typically harder to identify.

This website was really helpful. I am going to contact the reporting agencies for my free credit reports. I wish I would know what info. they need when I write to them. Carol Thanks for the info.!

Hi Daniel, I’m sorry to hear about your trouble. Unfortunately, we are not able to do anything on your behalf and I’m not sure what you mean by being blacklisted?

please clear my name on the blacklisting, capitec blacklisted me, i did email the president mr. ramaphoza

Hi Charles, did you see the section near the top that mentions how to get in touch with someone at each of the credit bureaus?

WHAT EVER HAPPEN TO TALKING TO A LIVE PERSON ON THE PHONE. Not someone on live chat. Tried to do a transaction on the phone but made an error. Tried to correct the problem but it would not let me. So tried several numbers so I could speak to someone who could help me correct it .BUT GUESS WHAT KEPT GETTING THE SAME RECORDING. What’s wrong with this world, that you can’t speak with a live person. ARE WE THAT IMPERSONAL THAT WE DON’T HAVE TIME TO HELP SOMEONE WHO NEEDS HELP!!!

I paid my credit of Truworths Account and Mr Price Account in full last months. The balance owing is R0.00 to both of them. But when I visited the bank to get credit. They said I still have credit that I did not paid in Credit Bureau. When I contact credit I found out that a credit flag for the Truworths and Mr Price. I contact the two shops for settlement letter. they said they will not give me settlement letter. But they will send Credit Bureau to clear the credit off. But it disadvantages myself cause I have to wait for them to clear on their time. Without concern about me cause I am in need of urgent loan at the bank.

Hi Mary, I’m really sorry for the inconvenience. Unfortunately, a lot of numbers have been changing due to COVID-19 and companies changing the way they do business. I have updated them with verified fax numbers; however, they were very difficult to locate as the credit bureaus have been shying away from using fax machines for consumer services. It is recommended you do not send unsolicited information to them via facsimile as they keep making it harder too.

Those fax numbers listed above aren’t correct. I just spent 20 minutes trying to fax those numbers and none of them are fax numbers.

Hi Peter, you can get your TransUnion and Equifax VantageScore credit scores for free through Credit Karma and your Experian FICO credit score for free through Experian’s website . Or you can get all three scores through Identity Guard which frequently offers discounts on three credit bureau monitoring.

I want all three credit score so I can clean up my credit I have not open any new credit cards either remove all credit cards open in my name this 2020 year

Hi Josephine, I’m sorry, but we cannot do that for you. You will need to contact each credit bureau directly.

unfreeze my credit account

Hi Nena, you can’t stop people from trying to apply for credit in your husbands name, but you can tell each of the credit bureaus he is deceased . In this case it sounds like Experian is already aware of that and denied them credit – exactly how it’s supposed to work! 🙂

How do I take care of an issue where someone has tried to use my deceased’s husband credit rating to open a “Jared The Galleria of Jewelry” credit card? I received a letter from the jewelry store stating that the request couldn’t be process because the credit reporting agency EXPERIAN indicated the person making the request was deceased. My husband is deceased!!!

Trying to speak to a real person is a joke!

Please contact me with assistance in this matter. This has me concerned.

Thank you, Nena

Hi Ava, If it was a chapter 7 bankruptcy, it should fall off some time this year – 10 years after it was discharged.

I filed for bankruptcy in 2010 and it is still on my record. How long does it stay there and do I need to contact the bureaus to have it removed?

I wanted to get a new credit card..my score is sky high, like 810……but jumping the hoops to get my reports unfrozen is so much of a hassle…hell with the action!!!

I personally don’t agree with the credit agencies being able to sale their services as a monitoring provider. how can you trust the people who load the incorrect information about you to keep control of the right information on you. well it might be a good thing as long as you pay for it. that is so wrong.

Hi Mark, it may have been on their website years ago or on a written letter. We’ve had it listed for years with no complaints…

I was wondering how you were able to obtain the Expirian 800-509-8495 phone number. This number does not appear anywhere on their web site that I could find. It’s the only one that allows you to talk to a real person as far as I can tell. I wanted to make sure it’s legitimate.

I couldn’t agree more, Michelle.

The mere fact that all these communications have been posted and we have all this damn technology. Its bullshit that these three agencies have no way of directing communicating without us jumping through hoops.

THIS IS OUR LIVELIHOOD…….ITS YOUR JOB TO SERVE US.

Hi Sandra, we can’t provide you with your credit report, but you can request a copy of your credit report from each credit bureau through AnnualCreditReport.com, for free.

To whom ever it may. concern I need a copy of my credit report and score from all three Credit Bureaus I am trying to clean up my credit report

Hi Batsile, we don’t have access to your credit report so you’ll have to explain more what that item on your credit report is pertaining to. Otherwise, if it’s disputable you will need to contact the credit bureaus directly or work with a credit repair company to get it removed.

My have paid in full effective my Gisela grunwald attorneys on 14/01/2019 and I have the letter from magistrate court for the district ,specifically indicating I have fully paid why is it still on my credit report as active.

Hi Sylvia, That is really weird. Unfortunately we can not do anything on your behalf. Have you tried giving your bank a stop payment order ?

Last August I noticed that I had an entry on my bank statement that I did not authorize…..TRANSUNION.

For months I am charged over $20.00 for this coverage. This credit organization is difficult to contact. My husband and I have tried contacting them, but we get shifted from one telephone service to another. Everyone claims they do not have the authority to CANCEL.

I have been advised to contact my attorney if this can not be resolved and all charges be returned. Perhaps you can clear this matter up.

Sylvia Charney

Hi All, I just tested and was able to get in touch with a human operator at each of the 3 major credit bureaus for help with general credit questions by performing the steps I have now including near the beginning of the article.

I hope this helps!

I have a charge on my bank statement for $24.99 from experian. I can’t talk to a “real” person cause its all machine basted. I don’t have a membership w them or anything. So what and why am I being charged for something??? I am asking for a refund since I didn’t set anything up. Where are the REAL people that can help you? These numbers are no good on the websites. I’ve called all of the them. The same voice on the machine comes on asking the same questions. How can I get this taken care off???

Hi Penny, yes that number is legitimate.

https://www.optoutprescreen.com/contact

Also known as 1-888-5OPT-OUT

I keep getting mail to open credit cards. There is a number to call that looks like you can opt out. It says it is the consumer’s reporting agenties. The problem is it wants you to leave your social security number. It makes since but I don’t like giving my number over the phone. The number they all give is 888-567-8588. Do you know if this is a legitimate number? Thanks for your help.

Hi Donathan, I’m sorry to hear that. This articles explains how to do that.

I need to dispute everything on my credit reports. I had no idea I had even started any credit until I looked at my credit report and discovered someone did it for me. I need help asap. Thanks!

Hi Michelle, Depending how it is reported on your credit report there isn’t likely anything you can do. You will have to wait until it falls off after 7 years following the filing date.

I have recently had a dismissal of a garnishment. The problem is it still on my credit reports.I have mail in all court papers that shows this dismissal. What is the next step to get this remove. Talking to the creditor is not an option.

Hi Lucy, Unfortunately they keep those fax numbers private. I’d recommend sending it to them via post mail if you’re not having luck using the other methods.

I am trying to fax my request to TransUnion and Experian…The fax #’s on their websites are not valid. Do you have valid fax #’s for them. I have given up trying to contact them via phone for a business credit report.

Hi Kyrie, they have several different phone numbers. What were you trying to contact them about? Perhaps I can see if there is a better number for you..

I called this number 1-866-349-5191; And the number doesn’t match the Equifax number on this website. And while I was talking to someone I could here an man in the back when I was talking to the lady. And she kept on repeating my information and he were telling the lady what to say. I am confused about the intire conversation.

Why can’t I contract Transunion and Experian directly to fix my credit, (only one small thing is jeopardizing my credit. It used to be that a person could go directly to Transunion or even call/write a letter to get help. It seems now with a computer system in the works, It is very hard to get a hold of anyone to talk to. To go to a third party. All that is a just paying a monthly fee. and no help at all,

My auto loan has been paid in full effective 6/27/2018 why is it still on my credit report as active. I have a letter from the lending bank specifically indicating the loan is paid in full.

Thank you for emailing me a respoinse

Hi Maggie, I’m sorry to hear that. At bare minimum I’d create a fraud alert, but may want to take addition steps such as freezing your child’s credit, and filing an identity theft report with the FTC. This article will help with all of those steps.

My son’s SSN is stolen and I am not sure do I need to block it at the credit bureaus since my son is only a few months old baby.

I took a loan from HFC bank precisely, Agona Swedru branch. I was supposed to finish payment by the end of September, along the way, I. Defaulted so I quickly rectify it. Not knowing it has been sent to credit bureau. I have cleared the loan, even five months before the date, yet the information is still pending, with zero score which has prevented me from other financial institution to assist me with loan. I have approached the bank severally but could not even find the source to correct the information.

Hi Subbaraya, I’m sorry to hear that. You will need to dispute the items with with Experian.

My mother didn’t pay her old medical bills and it got into collections. I was marked as defaulter in my credit report. Called up collections and they don’t find anything on my social, but on my phone number, on my mother’s name. How do I get it cleared from Experian?

I managed to get live voices on Equifax 1-888-202-4025 and Transunion 1-800-916-8800. Good Luck All!!!!!!

Hi Kyle, the lock won’t hurt your credit.

I put a lock on my credit card due to fraudulent charges. Will this go on my credit report as a negative and hurt my score

Hi April, here’s how to remove a fraud alert .

Yes, proof is exactly what they need. In regards to faxing, I they don’t typically like to receive it that way but may ask you to if you’re working with them.

Hello. I’m trying to get a loan but the ppl I Trying to get it from said my account has a fraud alert on it. I’m not sure how it got there since I didn’t place it there but who should I call to remove it. Thanks April

If you have proof that supports a credit dispute does the credit bureaus look at this and consider this? and can I fax my proof in?

Hi Jazmin, I’m sorry to hear that, but who is “they?”

Hi I am a victim of credit card fraud, I have invested a lot of money and they won’t give it back! My money seems to still be invested as I can still look up my account with them. I have rung them and all they say is they will ring me back but no one does and if I ask more questions they hang up on me. Please help!! What can I do?? 😔 Feeling stupid Thanx Jaz

Hi Matt, you have to apply for their data reporting services. However, your tenant can try Experian Boost or one of these other rent reporting services for renters .

Hello, I am looking to help my tenant by reporting to the credit bureau that they have paid their rent on time for the past year. Can you let me know who I can email or mail a letter to so they get credit on their credit score for doing so.

Thanks Matt

Which company did you apply for a personal loan through?

I had applied for loans, and now I am getting so many spam emails, and I was told I need to contact you to be sure there are no information leaks. Can you help me with this please?

April Duckworth

Hi Linda, yeah it can be pretty difficult to get the answers you need when calling them. They’re all pushing to get people to do everything online and as a result not providing the best service possible. Anyway, glad we had the information you needed!

I was trying to get the address to all three bureaus to send them a payoff letter or warrent of cancellation letter, Euifax answered and gave me their address but the other two kept me on hold I had to hangup after 30 minutes. I just looked it up on the internet. The only reason I called was because I thought I had to send it to a specific address, Oh Well, I just sent it to the address that was provided on the internet. Thanks

They sure do make it difficult to contact by phone don’t they!? These hours are listed within the credit monitoring membership section under contact us, but are probably good for other departments as well.

Experian Contact Hours

Monday-Friday 6am to 8pm PT Saturday-Sunday 8am to 5pm PT

I need to speak with person at Experian. Any number I call,. says closed call during business hours…and hangs up. How do I find the hours open so I can speak to someone?

Hi Stacy, Unfortunately the landlord needs to report your payment details to the credit bureaus. The only thing you can do is request they do so.

I am renting a house that isn’t getting reported to any of the credit companies. Can I call in with proof showing I’m paying, and paying on time. To help my rental history

Hi Crystal,

Yep, that sure sounds like a scammer. What number did they call from?

I received a phone call this morning about credit and having to get an attorney. It wasn’t this number but they said they were from the credit bureau. I was confused. So I said if this was real then I would have received something in the mail. When I said that the person hung up. I feel it was a scam. So I wanted to see if this website could help me out to see if it was. That way I can share this crazy experience with others so they don’t go through the same thing.

Hi Carolyn, I’m sorry to hear that. The credit bureaus won’t necessarily tell you why you were turned down, they just provide you with a copy of your credit report. If it’s been more than a year you can request a fresh credit report from all three credit bureaus, but if less than a year you’ll only be entitled to a free credit report from the credit bureau that was used by the lender. Also, that is the only credit bureau you’ll get a free credit “score” from as well. By law, the lender is obligated to provide you with the main reasons why your loan was denied and credit score used, if you ask within 60 days.

These article should help:

– Your rights and immediate steps to take after being turned down for a loan – Tips for those who were turned down for a loan

I I recently applied for a loan and was turned down. I understand to get the reasons why I have to contact the credit agencies. Please let me know how I can do that quickly. Thank you

Hi CJ, unfortunately the credit bureaus don’t offer free credit scores. I’m not sure there’s anything you can do to rush them other than pay for your credit report and score through one of their credit monitoring offers. If you want your credit score for free you’ll typically have to go through 3rd party resources. These articles should help:

– Free Credit Report & Score Websites – Getting a Free Annual Credit Report from the Credit Bureaus

My husband and I are trying to pre-qualify for a mortgage loan and two of the bureaus are not providing a score; can’t get a free report. He has purchased things with credit off and on for the past 20 years so I suspect that somehow they have him mixed up with someone else. What kinds of documents besides license and social security card would you send to expedite the process? Would you recommend sending it as a request for a free report or to dispute info (it seems they want proof of what is being disputed, which we don’t have).

Hi Roy, are you looking for information to help you dispute the items in your credit report or just general credit improvement tips?

please send me information of how to improve my credit score and how to correct some misleading reports from my creditor

Hi Rosina, what do you mean by blacklisted?

I Have been blacklisted and i paid my debt with the JJ Harmse.Now i would like to find out if my name is being cleared or not.

Hi Michele, it really depends on what you need to get to them, the time-frame and importance. A safe bet would be sending it certified mail to the addresses above.

I need to send some paperwork in to all 3 credit agencies. Can you please tell me how I need to get paperwork to them and what I need to do?

Hi Marybeth, I can’t say for sure how likely it is they’ll continue to get your husband and son mixed up, but you’re taking the right step to resolve the issue. Be sure to be as thorough as possible by sending them as much supporting documentation as you can; otherwise, it could take longer.

I haven’t read all the comments yet so I don’t know if this has ever come up. One of the credit reporting agencies has mixed up my husband and our older son, who both have similar names but not absolutely identical IE son has a middle initial but husband doesn’t. My husband has been impacted by two major credit hacking incidents in the past threes years and got compiled credit reports for a year, which is how we found out that ALL of the agencies now have the same incorrect info. I’m going to use the mail addresses here to contact each of them and see if we can get this straightened out. How likely is it that they’ll do nothing and we’ll continue to have the same problems? I have no idea how it happened since they have different SSN, but something got screwed up somewhere and now it’s spread to all of the agencies..

Yikes, sorry to hear that Michelle.

I was on the phone reporting identity theft on my account. I called them 3 times but the quality of the phone was horrible. First, they guy kept saying he couldn’t hear me. I called again. The phone was disconnected while we were heading to the end of the report. Then I called again, I was completely shut off.

Hi Debra, most likely that should have fallen off your credit report by now…assuming it was paid off in 2008. Otherwise, they stay on your report 7 years from the close date. Here’s how to dispute an item on your credit report .

I have a creditor listed on my credit report since 2008, it have been paid for and closed. How do I get if off my credit report.

Hi Joseph, unfortunately you need to contact each of the credit bureaus separately to find that out.

I want to know if a freeze has been put on all three of the credit reporting agencies.

Hi William, we don’t maintain credit files. You’ll need to get in touch with each of the above credit bureaus.

Would you please confirm that I currently have a freeze on my credit file with you.

Hi Virginia, please take a look at this article . thx.

I want to write a letter to each of the companies telling them to freeze my credit. What info do they need?

Hi John, I’m sorry I’ve never been asked that question before. I’m going to say there’s probably not a difference in the eyes of the credit bureaus. Just to be safe I’d close it myself….if you’re that worried about it. At this point will they let you keep it if you start using it? Why not just buy something every so often and pay it off each time before it incurs interest? That’s what I do, unless it’s a really bad card.

I have what I thought was a fairly simple question but I can’t seem to get a consistent, straight answer from any of the credit bureaus. Perhaps someone here knows the answer or can point me in the right direction: I have a very high credit score and I have a number of credit cards that I dont use. I received a letter from one of the banks informing me that they were going to be closing one of my cards due to inactivity. From what I’ve read, closing credit card accounts can lower your credit score. What I’m wondering is, does it make any difference whether the bank closes the account (credit report would show something like “account closed by credit issuer” or if I close the account first (credit report would show something like “account closed by customer” I realize that my score will go down either way, but I’m concerned that if the bank closes my account, it might reflect badly on my credit report.

Many thanks!

Hi John, we would need to know a lot more about your situation to tell you what you should or shouldn’t do. But that’s not what we do. If you’re having trouble getting credit, have you tried a secured credit card ? They’re nearly impossible to get denied for. That will help you re-establish your credit history. Best, Wes.

I am denied credit because I do NOT pass a credit check. My problem is l have NO credit, NOT bad credit. What can l do? Years ago I had great credit. I owe NO ONE, OR NO COMPANIES. I need good credit scores. I HAVE NO CREDIT.

My perfect credit was shot when someone infiltrated my account, obtained my information and set up accounts in my name. They charged over $ 60k. When we found out about it and contacted the credit bureaus and told them it was Fraud they did nothing. Now it is about a year later and nothing is done. I received two calls this week from collection agencies asking for me to pay $ 8,192.00 and over $ 55,000.00. Can I sue the credit bureaus?

Hi Sue, did you try this from my comment above?

Equifax – 1-866-349-5191 – (Press 5)

Please us know if that works for you, so we can tell others it’s still valid. The credit bureaus have a ton of phone numbers that seem to be always changing. Thanks.

I needed to talk to a real person. I was able to reach a person at Transunion but he was extremely difficult to understand, but I was able to have my questions answered. Experian by far had the BEST support and was the most helpful. Equifax was no help at all. I was never able to reach a real person and still have questions and do not know where to turn. Equifax services need to be more obtainable. How can I talk to a real person at Equifax? What number do I call? I still have questions and don’t know where to turn.

Thanks Erin. Here’s the trick I use to get in touch with a human at each of the credit bureaus.

Equifax – 1-866-349-5191 – (Press 5) TransUnion – 1-800-916-8800 – (Press 4, then 2) Experian – 1-800-509-8495 – (Press 2, then 2)

However, you should probably listen too and follow the appropriate prompts at those three numbers first. If you aren’t satisfied and weren’t able to speak to a live customer service representative, try by calling back and pressing the buttons I mentioned above.

Hi Chris, have you tried calling them? Otherwise, you’ll probably have the most luck mailing them explaining your situation. I would send them everything required to lift a credit freeze normally, and explain why you don’t have a PIN. We’ve outlined the steps for lifting a security freeze here .

1800-493-1058 A Live person Hooray! I was stuck in a hamster wheel attempting to contact Experian credit agency regarding a possible fraud and finally located this correct #. Frustrated when I was continually directed to contact 3 different #’s (888-397-3742, 877-222-0011, 877-322-8228) ALL of these numbers failed to let me speak to an actual person. So I wanted to share the correct number. Fun fact: Experian – based out of Dublin Ireland made 4.55 Billion dollars in 2016. While the world watches out for fraud, the credit bureau’s are getting billions, literally!!!

my credit reports are frozen and I didn’t do it so I don’t have a PIN to unfreeze it. how do I proceed?

Hi Rommel, it really depends on the type of debt. Are they past-due accounts? Collections? Or simply balances on good debt that you’ve paid down to zero?

In general, your creditors should notify the credit bureaus within 30 days that the debt has been paid and your score should change within 60 days.

Unless you are filing a dispute, the credit bureaus will most likely just wait for the creditors to report that the balance has been paid.

trying to purchase a home. Need to increase my credit score. Was advised to pay off debts and send evidence to the 3 credit bureau for faster results. Can I just fax letter and evidence? How long will it take to update and increase my credit score by all the credit bureau? Thanks.

Hi Junell, I just spoke to TransUnion and they said the address is still valid… I’m guessing it was either an employee at TransUnion or the Post Office that doesn’t know the procedure for dealing with Certified Mail to PO boxes.

Hi Junell, I’m sorry to hear about that. The address listed above is the same address TransUnion has listed on it’s website and dispute form . Thanks for the update. I haven’t heard of anyone else having an issue, but I’ll see if I can figure out what’s going on….

I just tried sending a dispute letter via certified mail to the Chester PA address listed above for Transunion. Post office worker said that address is no longer valid in the postal system for Transunion – only the Corp address in Crum Lynn PA. Just an FYI.

Hi Dianna, Yeah, that does sound kinda fishy, but you never know. You can request a free credit report from each of the credit bureaus annually through annualcreditreport.com.

Hi! I’m Dianna, I’m not work OK, hadn’t checked my credit in 2 years. A week ago a lawyer’s office called and sended me a letter and called to say that I owed them 3,000 in taxes in the state of Ohio, never lived never visited and never called, and they said someone might have my social security number. I need a credit report can’t afford to pay for my credit report.

Hi Luis, I’m sorry to hear that. Which company are you calling or website are you visiting when you are receiving the identity questions? Companies do not share that information, they each use thier own either from answers you’ve given in the past or based off your credit report. So it really depends on who you’re trying to contact.

To request a free copy of each of your credit reports online you can visit annualcreditreport.com. You can also call to use the automated system at 1-877-322-8228.

Each credit report you receive will provide you contact information for disputing items in it. We’ve also put together this article to help.

Best of luck!

I want to know who to call to reset my identity questions that im asked. My identity was stolen and i reported it last year in Feb. It has since hindered my ability to get phones on credit. I keep getting asked questions that arent relevant to me. Questions i cant answer because it has been going since i was 8 apparently, maybe longer. Who do i call to get it all fixed and who do i call to dispute every single “claim” on my social and recieve a copy of what is on my credit reports? I want to get my life going as i have graduated from high school, and the person who stole my identity needs to pay with time behind bars for what they did to me. I cant go on living life not being able to purchase or have things that i know i can pay because of security questions that dont pertain to me. I need your help, it weighs to heavy on my mind.

You can receive a free credit report from each of the credit bureaus through annualcreditreport.com.

how long is my name listed in credit bureaus how to check my self

i have wrong information on my credit report. i lost 2 job interviews.recently. please help me to crrect it.thanking you in advance.

Hello, I need to update my credit report. How do I go about this if the credit bureaus seem elusive. I’ve already obtained a copy of my report. I just want to up date it and remove companies that have gone out of business.

I call these numbers to get my free credit scores:

Transunion 877-888-4213

Equifax 800-685-1111

Experian 888-397-3742

Hi Lisa, I am very sorry to hear about your loss and your mom’s trouble. This article outlines what you need to do.

I need to place a freeze on my mom’s credit and a fraud alert. I have a poa for her and someone has applied for a credit card in her name and two place that I know of. My dad passed away on march 1st. And she has been living with me the whole time. Please contact me and let me know what I need to do.

Hi Bright, Sounds like you’ll need to continue working with that company until you get to a resolution. However, if there is negative information on your credit report because of this you should dispute it with each of the credit bureaus showing the bad information.

I would like to inquire if a company is over charging me for a bill dispute and they are going to send my names to the credit agencies despite the fact that, there customer services have acknowledegd that the bill I was issues is wrong, but their billing team is dragging to make adecission, to recalculate the bill. I need assistance as Iam trying to make mycredit report better.

Hi Jon, it sounds like you don’t have a current copy of your credit report which you can get at annualcreditreport.com for free.

Beyond that I’d need to get a better understanding of your specific concerns.

I don’t think my credit report has been updated recently and I’m trying to purchase a home and need it updated. How can I accomplish this

My son died in October 2015. His babies momma is trying to get cell phones etc using his s.s.#… is there any thing I can do in regards to his credit. Waiting for your reply Wes.

I put a freeze on about 2 yrs ago, because my wallet was stolen. I have been trying to take the freeze off for 7 months without success;I don’t remember the passwords,I’m very frustrated because I’m having trouble getting credit approval for merchandise. Please help me.

Hello. I just have a question. if I call my credit card companies and have them lower the credit amount available, most of them are extremely high, will that hurt my credit? We were turned down for a loan, and I fear it was because my credit card limits were too high. Thank you.

I have been separated from my husband for eleven years and we had an eviction which was his and it’s showing up on my credit how do I get that removed.

How do I find out if a judgement is on someone’s credit report?

Hi I just ordered my three credit reports and how long will it take for me to actually get it at my doorstep? the reason I ask is because I need them ASAP I ordered them Thursday Morning

I am trying to put a freeze on my account asap as u have already done this with both other credit but unable to succeed with trans. I need to do this now over the phone as I called number listed which I am not sure it was valid and gave my ss name and address

Can you please remove my name because I ddnt go through with Debtbuster. I cancelled. I have the letter if you need the letter I can send it toyou if you can send me fax no.

Hi Rosemary, They must lift a security freeze within 3 days of receiving notice.

https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts

how long does it take for all 3 credit bureaus to unfreeze a permanent security freeze? I would like to apply for a loan but I can’t because of this freeze security. Thank you

Contact the credit bureaus.

I am separate from my husband for 13 years and his account are on my credit report and my account’s in his report. .What can we do about?

Hi TJC, It is most likely valid because Anthem fell victim to a major cyber attack.

I got this paper in the mail it says Anthem and says there was a cyber attack and gave me all kinds of numbers to call and check and gave the credit bureaus to call and check. It also said there is a AllClear ID? I am just wondering if this is a scam or true info I need to get this taking care of ASAP? My son is the only one got this and we all had Anthem at one time for dental and vision only and the policy was in my name and not my children’s?

Hi Melissa, One thing you can do is file a dispute with each of the credit bureaus it has been reported to.

I HAVE BEEN PAYING A DEBT FOR A WHILE NOW AND JUST PAID IT OFF BUT FOR SOME REASON ANOTHER COLLECTIONS COMPANY HAS REPORTED TO MY CREDIT FOR THE SAME THING IVE BEEN PAYING ON AND NOW PAID OFF. WHAT DO I DO?

Hi Aracely, I would call the loan company to ask why you were reported late then ask them if the can clear it up for you with the credit bureau. I would also grab all of your documentation and submit a dispute with the credit bureau.

I got a loan for 2800 since may and they told the payments will be deducted every 2 weeks from my checking account. I got an update in my credit scored and says im late in 3 payments from this company. I was never late because the payments are deducted. They got their money every time. How can i fix it

Hi Mike, Did they tell you why they can’t view your credit score? Never heard of that before unless they can’t find your credit file at all.

I have a problem. A Lender said that they can not view my credit score.

Hi Linda, Please see the links I shared with Julia about 5 comments above yours. Also, Experian offers a rental reporting service which may be of interest to you. The others may too.

How would an individual landlord report to any of the three credit bureaus how his tenants pay their rent payments?

Hi Jessica, I’m sorry to hear that. That information will typically stay on your credit file, but be noted as ‘discharged’ for several years after your bankruptcy if finalized. It also depends on which chapter of bankruptcy you filed. You really should contact them directly to discuss your particular situation. Each credit bureau made need different information from you. I’ve had the most success contacting them via their online dispute forms.

My husband and I had to fill bankruptcy but everything is still on our credit and now I have to submit all this paperwork to all 3 bureau’s. I have no clue what would be the best way to start the process. Should I mail cooties or email them.

Hi Fridah, You will need to contact the credit bureau you have a credit file open with to explain your situation.

I open a credit last month i found that I’m in credit bureau but I never open an account Before in my hole life , so what can I do to Clear my name

Hi Julia, Here’s some helpful customer data reporting information for businesses, from each of the three main U.S. credit bureaus:

Experian Data Reporting TransUnion Data Reporting Equifax Data Reporting

I hope that helps!

I am a merchant and I have a problem people don’t pay the money after consuming the products, or we call charge back. How can I report the bad customers?

It really depends on what your inquiry is regarding. For most services, they only allow existing customers to contact a representative. If you’re an existing customer with a credit report, please check your credit report for their consumer services number or log in to your account for additional contact information.

Otherwise, they do allow you to use their automated system, chat with them online or message them via their email form.

Here are links directly to their contact pages for personal services:

Equifax: – Contact Page . EXPERIAN: – Contact Page . TransUnion: – Contact Page .

I need to speak with someone, and the automated system does not allow you to speak with a representative. Is there a number to speak with a representative at Equifax, and Experian?

Hi Angie, I am sorry to hear that.

I know how frustrating it can be when you can’t get in touch with real person to discuss such an important issue. That’s why we outlined how to submit your dispute using each credit bureaus’ online forms, or sending it to them via the post office.

If and when you do get someone on the phone, they will likely send you to the same submission forms anyway, because you’re going to need to submit all of the documentation that supports your claim.

I hope that helps.

Our family business was embezzeled by a girl in our accounting department for almost 500,000.00, forcing us to close our business and are in the process of Chapter 7. I was told by the IRS that you can call the 3 major credit monitoring and speak to someone about options to correct your credit due to Theft & Fraud. So far I have yet to find a live phone number to talk to any of the three. Can anyone tell me how to get a human on the phone

Hey Craig, I’m sorry to hear about your troubles. As far as I know, the BBB only gets involved when someone reports an issue to them directly.

In regards to your specific situation, this article should help you clear up the item on your report.

I actually spoke to a breathing Indian woman today when I called Trans Union !!!! The phone # 1-800-916-8800 Now the other two no such luck! I need to get them to do a simple Inquiry for a paid off item which they’re not up to date ( paid off in 2007 ) and delete that bad mark off my report so I can buy a house!! It’s bad when me and my son can’t get a home together on account of their negligence!! How come the Better Business Bureu don’t get on their case? This sux bad!

Hi Cindy, I’m sorry to hear that. Unfortunately it sounds like a few people have been having similar issues. I never had a problem when I needed to get in touch with them, but I don’t think I was under time constraints like you are. Hopefully you’re able to get it taken care of. I know how frustrating it can be when you’re trying to refinance your home. Bust of luck with that.

Also, If you have time please take a moment to come back and share which phone numbers – or methods – worked best for you. We will definitely appreciate that, and everyone else visiting this page surely will as well. Thanks!

The Credit Bureaus have “meshed” my accounts and will not supply information to underwriting. I am trying to refinance, and absolutely cannot reach a live person to “unmesh” this mess.

Absolute nightmare trying to get in touch with a human at Equifax!!!

Hi Jeralyn, Without seeing your son’s credit report it’s tough to say for sure.

You can obtain a free credit report from each credit bureau every year. Then contact each credit bureau individually with any discrepancies.

Hi Thai, You will need to contact them directly for that. We do not provide that service.

My son is 22 never had a credit card, earlier this year he tried to apply for one they could not find him in the system so he was turned down. Now he got his own cell phone account and tried again he is turned down because he has too many revolving account. He pays his cell phone bill on time so apparently someone used his name in a matter of months so what do we do.

I would like all three bureau to send me accounts thst i owe money to my address is 3818 22nd ave saramento,ca 95820

Hi Diana, I’m sorry to hear that. Have you contacted your divorce attorney to explain what’s happening? Otherwise, you can continue to try and get in touch with the credit bureaus, but depending on your particular situation, they may or may not be able to do anything. At that point, you may want to contact a finance attorney.

Hi, I recently divorced (9.22/11). My credit has been great up until Sept as my ex wanted to mess with my credit by not paying the bills he was ordered to pay – 2 joint mortgages and 1 joint car loan. He received the house and condo and car so the judge awarded him the expenses associated with those items. I paid off the one I owned – I have always monitored and kept our credit good until the divorce, now I have no control. I can prove all of this and would like to find out if I can have something put on my credit to let creditors know about this. Can you suggest something. I called, but am not able to get in touch with a representative in person. Thank so much for your consideration.

Hi Shirley, I’m sorry to hear about your situation. You can get a completely free credit report from each of the credit bureaus by going here: https://www.annualcreditreport.com/index.action . Only the report is provided for free though, and not your credit score.

Here’s an article we wrote with tips for seeking credit counseling services which includes a link to a website with approved credit counseling providers in each state.

I have always been told that you can get a FREE credit report at least once a year, (I was told every 6 month’s) I can not get one. Does any one know how I can get one at NO COST!!! We use to have a GREAT credit score, I became disabled, my husband of 33 year’s which was a heavy equipment operator for 25 year’s and was in the union, THEN I became disabled, can not work, can not collect any disability (because I did not go in there and lie and say I was a drunk or strung out on drug’s & let’s don’t forget the nut check, if I would have said one of these things were wrong, I WOULD HAVE GOTTEN IT) I was turned down 2 times even with my doctors standing behind me and backing me up due to a REAL chronic reason so I found out if you tell the truth, THEY WILL TURN YOU DOWN!!!! I am just not some one that lies! Since these two major thing’s have happened in our 33 year’s of paying taxes, we did fall behind, and our credit now stinks. We are just now starting to get on our feet, we are so far behind in EVERY THING just trying to catch up on property taxes is hard but we are working on it every month. Our basement flooded and now I do not even know who we owe and I know some of the things on our report are wrong or not been taken off, but even trying to get some one that the gov. is suppose to offer for FREE ends up costing. our credit went from the 800’s to 578. we can not even get a credit card or lower our mortgage due to this which would cut our house payment almost in 1/2 because we are paying 6% intrest when we could be paying 3 or 4 THIS IS NOT FAIR OR RIGHT!!! we want to get back to where we use to be, but thing’s in life do happen that we have no control of and when you try to fix thing’s and try to get thing’s back on track, no one want’s to help you at all. I use to believe in AMERICA and be PROUD to live here, but since this has happened, and we have went through every single dime we had to try to just stay afloat, no one will even offer us help to get back on track. I do not know where to start! or even where to begin! if ANYONE has any ideas I would be SO GRATEFUL TO YOU!!! talking to these credit bureaus is a JOKE, ALL you get is recording’s. I want to put ALL our bill’s in to one and pay them off with one monthly payment which I THINK we may be able to do IF I could find this so called FREE GOV. COUNSELING HELP, THEY ARE SO CALLED OFFERING, WHICH I CAN NOT DO. THANK’S FOR LISTING, AND ANY HELP FROM ANY ONE, I COULD NOT TELL YOU HOW GRATEFUL I WOULD BE. WE ARE TOO OLD TO START OVER AGAIN, OUR LIVES ARE 1/2 OVER AND WITH THE DISABILITY AND THE JOB LOSS TOTALLY LEFT US BROKE, THIS IS NOT WHAT WE HAD PLANNED FOR THE LAST PART OF OUR LIVES AT ALL!!! THANKS AGAIN.

i reported via a phone conversation with experian nearly a year ago that while applying for a visa card all three agencies report me as deceased. i obviously am alive or i wouldn’t be typing this. the experian person i talked to said the matter would be investigated (in a heavily foreign voice) and i would be notified of the results. nearly a year later i am still listed as deeceased in their reports. any suggestions??

Hi Tate, This article should help.

Need to figure out how to fed flag my sons ssn the social security office told me to call the credit bureaus but I can’t get a live person?? Any ideas?

The credit bureaus are businesses, so it wouldn’t surprise me if they tried to sell you something. If you have a better number for Experian, then by all means, please share it here and we’ll update our numbers accordingly. Otherwise, you can click on their logo to visit their website directly, then see if you can find another way to contact them regarding your specific issue.

Best of luck.

It is very deceiving when you list phone numbers for a credit bureau and what you get when you call is “The Fair Credit Bureau” who wants to sell you some fraud protection for all three agencies before you even know if you need it. This is what happened when calling the first number you have listed for Experian. My general question was never answered. People should know who they are calling!

I’m sorry to hear about your daughter’s wallet being stolen, Joyce. You should probably be contacting her creditors rather than the credit bureaus.

These websites are not helpful for someone who need to talk to a person. My daughter is in New York with on phone, her wallet was stolen and I need her credit alert on. No help!

Thank you for the numbers…

1-866-922-2100: Business Services Assistance is for new business customers . existing business customers need to contact :800-730-0126 .

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experian credit report customer service number

All about credit reports

Getting your credit reports.

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year. That means if you order a report from one of the companies on March 1, you can't get another free annual credit report from the same company until March 2 next year.

Please note, that there may be situations where you can obtain additional copies of your credit report for free such as the application of certain state laws, when you have been denied credit or in certain situations involving fraud.

You can visit the Consumer Financial Protection Bureau's website for more information on how you can obtain your credit report for free .

How do I request my free annual credit report?

You may request your free annual credit report online, via phone or by mail. You do not need to order your credit report from each credit reporting company at the same time and may decide to request the three credit reports at different times throughout the year.

You can ask for your free annual credit report from https://www.AnnualCreditReport.com. Make sure you are on this site before ordering your report. This is the official site, authorized by the Federal government, for you to get your free reports. You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process.

  • Call 1-877-322-8228
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  • Pick the format you want.
  • Your credit reports should arrive in about 3 weeks.
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  • Print and complete the form
  • Mail the completed form to:
  • Annual Credit Report Request Service
  • P.O. Box 105281
  • Atlanta, GA 30348-5281

The Consumer Financial Protection Bureau's website has additional information on how to obtain your free annual credit report .

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How to Dispute Your Experian Credit Report

Bev O'Shea

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

You can request your credit reports from all three major credit bureaus using a single source: AnnualCreditReport.com . But if you find an error in any of your reports — for example, an incorrect account number or a payment mistakenly marked late — you need to deal with the bureau that issued it.

Each credit bureau assembles your report from information sent to it by lenders, credit card issuers, public agencies and sometimes landlords. Errors in reporting can cost you credit score points, so it's worth taking the time to clean up your credit reports.

Here’s how to spot errors on your Experian report — and what to do if you find one.

experian credit report customer service number

What should I check on my Experian credit report?

Rod Griffin, Experian’s senior director of public education and advocacy, advises checking all identifying information to start. Errors here won’t affect your credit scores, but they could indicate that someone else’s information has gotten mixed with yours. Worse, they could mean you’ve fallen victim to identity theft . Check your:

Social Security number.

Name, including variations under which you’ve applied for credit.

Current and past addresses.

Next, check for errors that could affect your credit scores:

Accounts listed that aren't yours, especially if you have a common name or use a generational suffix.

Amounts that don’t match your billing statements.

Payments reported late when they were not.

Public records, such as bankruptcies, that aren't yours.

Negative information that’s correct but is too old to be listed on reports.

If you see mistakes, gather documentation supporting your case and file a dispute with Experian. The bureau has 30 business days to respond. Griffin said most disputes are resolved within 10 to 14 days, and many even sooner than that.

You can request your credit report in Spanish directly from each of the three major credit bureaus: · TransUnion : Call 800-916-8800. · Equifax : Visit the link or call 888-378-4329. · Experian : Click on the link or call 888-397-3742.

🤓 Consejo Nerdy Usted puede solicitar una copia de su informe crediticio (gratis y en español) de cada una de las tres principales agencias de crédito: · TransUnion : Llame al 800-916-8800. · Equifax : Visite el enlace o llame al 888-378-4329. · Experian : Haga clic en el enlace o llame al 888-397-3742.

How to dispute Experian reports online

Griffin says going online is the simplest way to file a dispute, and that’s how most customers do it. Experian’s initial dispute portal looks like this:

Experian credit report dispute

If you haven't already registered with Experian, you'll do that first in order to access the dispute center. Once in, you can select items to dispute and indicate the reason. Griffin said there's no limit on the number of items you may challenge. You’ll have a chance to review your entries and upload copies of any supporting documents requested, such as a canceled check or a billing statement.

Expect emails when you file the dispute and when Experian has results available. You may also get emails with updates during the process, or you can log in to your Experian account to check the status.

How to dispute Experian reports by mail

If you prefer to use mail, you can send a dispute letter to Experian, P.O. Box 4500, Allen, TX 75013. The Federal Trade Commission recommends using certified mail, return receipt requested.

You can print out Experian's dispute-by-mail instructions and form , or simply write a letter that includes:

Your full name, including your middle initial and any suffix, such as Jr., III, etc.

Your birthdate and Social Security number.

Addresses where you've lived during the past two years.

A copy of an identification card issued by the government, typically a driver’s license, state identification card or passport.

A copy of a utility bill, bank or insurance statement sent to your address and bearing your name.

In your letter, explain which item(s) you think are incorrect and why. If you're disputing an account, include the account number. Send copies, not originals, of documents because they will not be returned. The bureau will respond by mail.

Can I dispute by phone?

Because documents are often required, you might not be able to complete a dispute by phone. However, you can start the process by phone by requesting a copy of your report. The number is 866-200-6020.

What happens next?

If Experian agrees with you, it will change or delete the information in question on your credit report. It’s smart to check your credit report again to verify the changes were made. Your response from the bureau will contain a link to the corrected report, or it will mail you a corrected copy.

However, if Experian confirms that it's reporting the information given to it correctly, you might need to talk to the creditor or other source that's sending in the data. Ask that source to correct the information it’s reporting to Experian, then contact Experian to confirm.

You may also need to file a dispute with TransUnion and a separate dispute with Equifax , if the incorrect information also appears on your reports at those bureaus.

Next, get in the habit of checking your credit report frequently to keep up with new data. In between your free copies from AnnualCreditReport.com, you can check your TransUnion credit report at NerdWallet as often as you like. Regularly monitoring your free report can give you an early warning of potentially score-damaging problems.

On a similar note...

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Think you know what the top scam of 2023 was? Take a guess

Facebook

Every day people report to the FTC the scams they spot. Every year, the FTC shares the information we collect in a data book which tells a story about the top scams people tell us about – so we can all spot and avoid them.

The Data Book tells us that people lost $10 billion to scams in 2023. That’s $1 billion more than 2022 and the highest ever in reported losses to the FTC – even though the number of reports (2.6 million) was about the same as last year. One in four people reported losing money to scams, with a median loss of $500 per person. And email was the #1 contact method for scammers this year, especially when scammers pretended to be a business or government agency to steal money.

Here are other takeaways for 2023:

  • Imposter scams. Imposter scams remained the top fraud category, with reported losses of $2.7 billion. These scams include people pretending to be your bank’s fraud department, the government, a relative in distress, a well-known business, or a technical support expert.
  • Investment scams . While investment-related scams were the fourth most-reported fraud category, losses in this category grew. People reported median losses of $7.7K – up from $5K in 2022.
  • Social media scams . Scams starting on social media accounted for the highest total losses at $1.4 billion – an increase of 250 million from 2022. But scams that started by a phone call caused the highest per-person loss ($1,480 average loss).
  • Payment methods . How did scammers prefer that people pay? With bank transfers and payments, which accounted for the highest losses ($1.86 billion). Cryptocurrency is a close second ($1.41 billion reported in losses).
  • Losses by age . Of people who reported their age, younger adults (20-29) reported losing money more often than older adults (70+). However, when older adults lost money, they lost the most.

Check out the graphic for the top scams of 2023. Read the 2023 Data Book for more details and to learn what happened in your state.

A scammy snapshot of 2023

Want to protect yourself, your loved ones, and your communities from scams? Go to ReportFraud.ftc.gov to report fraud. Reports like yours help law enforcement take action with education and enforcement. By reporting what you see and experience, you can help protect your community.

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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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  • We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. To file a detailed report about a scam, go to ReportFraud.ftc.gov.

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Thank you for sharing information that I was not aware of. When people take pleasure in being deceitful! You can no longer trust in laws (especially) or your own family. The more J know the more I am aware of protecting myself and helping others as well!!

I think Congress should pass a bill to penalize the scammers.

In reply to I think Congress should pass… by Hi Nguyen

Thoroughly agree with Nguyen- scammers should be punished/penalized for their crimes. If Congress is required to do so, then Congress should pass the necessary laws to make this happen. Peter

In reply to Thoroughly agree with Nguyen… by Peter

You’re right

I think there are laws but the problem is finding out who and where they are.

Yes definitely they should put them in jail longer than other crimes because it affects you mentally and socially more than a in person crime . This is because you do not know in reality who did the scam. The scammers are working with the person in the scam to rob you. Is gang stalking.

Can’t penalize foreign nationals who reside in foreign countries unfortunately

what a great idea. Robocalling already is illegal but doesnt seem to stop them. MOST coming from Jamacia. Only reason I know that is b.c I did the no no of calling back and it was on my phone bill

Thank you for the information!

I’m surprised that text messages wasn’t listed as a means of fraud or attempted fraud. I get phishing texts the most, followed by phone calls. Lately, I’ve received a few emails with a PDF attachment that is an alleged invoice. I don’t open it. It’s very interesting to watch the scammers attempts to get information or money from me. I’m already a victim of identity theft due to some major data breaches in 2021 to current, so I’m especially careful.

In reply to I’m surprised that text… by MN

Absolutely agree with MN. The phone calls start at 8:30 AM with so-called Medicare plans, or now it's Credit help! 99% of the time I don't answer. It doesn't stop there text comes in with "Hello how are you?" From some unknown number. I print them out in the event that someday I can help catch these creeps.

I've been gettng over 50 "lewd and suggestive" emails every day. I have blocked these and as of this morning there were over 199. Can this list be sent directly? They are insulting, and I would rather forward this to you, if possible.

Enid Hurwitz

In reply to I've been gettng over 50 … by Enid Hurwitz

call the opt out # for robocalls.... google it, it's everywhere... there must be an opt out for spam emails also. ask FTC and FCC and any other agency to report. This may stop it completely...if you're serious. sounds awful. good luck!

Thank you. Very important info!

So, My comment is simple---why isn't there more done to stop this? You have the most sophisticated people people working within the US---there should be a cure for this--shame on America for not having the answer!!!

In reply to So, My comment is simple--… by Deborah K Grimm

if this govt wold only pay folks like Snowden more than they've already made, have him and those like him work for the gov, we'd be In much better shape.

I have brighten a few items on line and got scared. It is hard to tell the difference between a legit company and a phoney one.

My 90 year old trusting and naive Mom has been sending 50 + small checks a month to various 'non-profits' associated with USA Cash Draw and other socalled million dollar sweepstakes. The operation is associated with many unfamiliar 'non-profits', giving her the idea that she is helping folks while assuring she will win at least one of the 20,000 prizes. She does not read the fine print, which has a deadline for a specific draw. However, she is already in the habit of sending 'gifts'. Examples are Citizens behind the badge, advancing American freedom, Fund for integrative Cancer treatment and some familiar ones like Am Against Drug abuse.

A second issue is all the political solicitations (she gets six to 12 inch stacks of mail per day. Some scare tactics of Lawyers requesting money - "they have put her on an important congressional committee" that leads her to believe without her money the political job wont get done. I think This is abusive of her and misuse/disrespectful of free speech. Nevertheless, being a generious person and wanting to help, all the solicitation become a burden and upsetting to this senior. Help!

Thank you Patricia Sargent

thanks for the great work you do....I am seeing lots of iCloud scammers trying to get me to reply to emails saying I have won a prize from big name companies like CVS, Lowes, etc .,,, I delete but would like to start reporting these....I am trying but can't figure out an easy way to report these scammers.

In reply to thanks for the great work… by Bess H Parks

Most big companies have email addresses you can forward scam emails to. You can open the companies' legit webpage & search for scam addresses or customer service. Always good to report to FTC as well.

I would add aggressive sales practices from car dealers to the list, the CARS act does not go far enough to protect consumers.

Publishers clearing house scammers keep calling my home. I cuss them out,hang up on them,etc. and it doesn't stop them from calling.

Thought ID theft has highest losses. ?

Why don't we have a govenment service to locate, arrest and shut them down.

Thank you for this information. We seniors are particularly vulnerable to scammers, and this helps us a lot.

I just contacted the FTC because I got a scam e-mail telling me my Social Security Number was used for Drug Trafficking in Texas and New Mexico! I don't even live anywhere these states! FYI... NEVER click on or open these scam e-mails!

I hope law enforcement is treating this like the huge crime wave it is. It is more than an inconvenience or annoyance. I hear stories of people loosing their life savings.

I report most of the email scams, but it takes time. It would be much easier if your program would allow us to forward these without going through the reporting portal. It is a constant battle. I have a call screen on my phone so never answer something I don't recognize, but I have seen texts that I have to block as I know they are scams. There really needs to be a crack down task force working on this. Lots of them are from out of the country.

Emails for payments to Geek Squad, Renewal charges for anti-virus programs like McAfee & Norton, I've dumped & blocked hundreds of them.

It is basically impossible to block the spam emails. Yes, they can be reported to the FTC but only individually, and the form is time consuming. EVERY spam email will have a different phony “From” email, even if there are multiple ones that appear to be from the same sender with same subject matter. There is absolutely no way to stop them. All advice says to just delete them - don’t open or reply. I was getting over 1000 spam emails daily, but interestingly that dropped to about 100-150 daily when I got a new phone. I check and group delete several times a day. Text messages (phone numbers) can at least be blocked. I also refuse cookies or modify them to “strictly necessary”; turning off all marketing and promotional settings. I agree that more aggressive measures are needed.

I have been getting emails from different vendors like Norton security thanking me for the purchase of their service on the day and time of the transaction mostly everyday with different names on them with a phone number for me to call them if I have any questions of the transaction. I just delete them and I have not reported them yet but I will now. Another thing that I have experienced is mostly all the people who walk in front of my door to try to sell some product or service without any proof of the company they represent are fraud and try to get my name and phone number for them to call me later but I do not give it to them. I do not trust no one at all. I get phone calls wanting to know if I have any Master Card and ask me to give them my name and date of birth to make sure it is me and I just hang up on them. I hope this helps somebody and make sure to put a Fraud Alert on your credit report with any of the 3 Credit Bureaus Like Experian.

Consumer education has no chance against fear and greed so ignorance and naivete will continue. Perhaps if the telco's had strong protection against SIM swaps and banks provided more than the weakest forms of 2FA we might have a fighting chance before the data brokers sell our PII to anyone with a credit card.

Please include Scam GAMES claiming PayPal or Cash App payouts. I've followed the game rules and watched HUNDREDS of ads, and as soon as I reached enough to get paid, the site stalls never to reopen, or they want you to do tasks, like spin the wheel 100 times and the error page pops up saying come back tomorrow day after day... granted all that is lost is time, but time is money!

Someone called me today at 5:28 PM, on February 14th, from: caller ID; YELLOWST, 1-307-227-9080, and ask if this was Stephen? They said "Stephen, is this Stephen", I replied "yes this is Stephen". They said then "have a good rest of your day" and abruptly hung up. I searched the number on the internet to try to find out who it was, could not find anything out without paying a fee. So I called them back within about three minutes, it rang a few times then went to a busy signal, I tried twice later that same evening, and got the same answer. I am wondering what kind of scam this is.

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What is a credit report?

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Key takeaways

  • A credit report details aspects of your financial history related to credit, such as how much debt you have and whether you pay your bills on time.
  • Potential lenders, landlords, and employers could check your credit report before deciding whether to do business with you.
  • If you see a mistake on your credit report, contact the 3 credit bureaus—Equifax, Experian, and TransUnion—to have it fixed.

When you apply for a new loan or credit card, the lender might check out your credit report before deciding whether to approve your application—and under what terms. A credit report is a useful tool that helps them evaluate whether it's a good idea, or, conversely, too risky, to extend credit to you. Because credit reports can be a crucial piece of the puzzle when it comes to reaching your financial goals, it's important to understand what they contain and how to dispute any errors you might find.

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A credit report is a summary of your credit history and loan repayment activity. Potential lenders and even landlords and employers (often in fields at higher risk for fraud, such as finance and government) can request your permission to review your credit report to see how many loans or credit accounts you already have, outstanding debt across those accounts, and your repayment habits, among other details.

In the US, there are 3 companies—aka credit bureaus—that compile and keep track of what goes into your credit report: Equifax®, Experian®, and TransUnion®. Certain lenders might not report details of your activity with them to every credit bureau, so the information on each of your 3 credit reports might vary.

Why is your credit report important?

Taking out a mortgage, car loan, credit card, or any other debt all typically require a credit-report check. In addition to helping a lender decide if they will approve or deny a loan, your credit report could also impact certain borrowing terms, such as your interest rate, monthly payment amounts, or credit card limit.

Because your credit report could also affect whether you land a new apartment or job, it's important to know what's on there. That way, you'll be in a better position to explain any negative information. It could also empower you to find ways to improve your credit . Regularly reviewing your credit report could also help you catch and hopefully mitigate the impact of identity theft—for example, if someone opened a loan or credit card under your name.

How to get a free credit report

By law, you're entitled to receive a free copy of your credit report from each of the 3 major credit bureaus once every 12 months. You can request these reports through the website AnnualCreditReport.com . To get your free credit report, all you need to do is answer a few questions to prove your identity.

What's included in a credit report?

While each credit bureau uses their own design, they generally include a few main sections on their credit reports. Understanding what they contain can help you read your credit report.

Personal information: This section includes your name, address, Social Security number, date of birth, and phone number. It could also include past addresses used for loan/credit applications.

Employment history: When you apply for credit, the lender might verify your employment status and income. Then they might pass this information along to the credit bureaus (though they don't always). How complete the list of present and past employers is on your credit report depends on the lender's reporting practices and whether you applied for credit while employed by a given employer. Employment could be its own section or combined under your personal information.

Credit history: In this section, you could see your existing and closed accounts, the names of past and current lenders or creditors, your payment history, your credit card limits, and any outstanding balances on loans and credit cards. Read through this section carefully and make sure that you recognize all the loans and credit cards. You should also make sure everything is accurate. For example, look out for reports of late payments if you've always paid your bills on time.

Public records: This section lists any financial issues that came up from court processes, such as bankruptcies, foreclosures, and civil judgments or lawsuits against you. Liens against your property used to be included in this section but are no longer allowed. If you see a lien in the report, you can request to have it removed by the rating agency.

Inquiries: Your credit report also shows the number of hard inquiries lenders have recently made. (More on these below.) If there's an inquiry you don't recognize, it could mean someone fraudulently tried to open a loan or credit card using your name.

How what's on your credit report impacts your credit score

Your FICO credit score is a 3-digit number ranging from 300 to 850, with 850 being the best possible score. This score is a reflection of the information in your credit report, particularly how much debt you have and whether you've paid it down on time. Generally, the better your track record in these areas, the better your credit score will be.

Someone who carries little credit card debt compared to their available credit (or credit limit) and who always makes their payments on time would likely have a high score. On the other hand, someone with multiple maxed-out credit cards or who regularly misses payments will have a lower credit score.

Credit scores are not part of a standard credit report. However, there are a number of ways to access your credit score for free, such as by signing up for an account with a free credit scoring site or one of the credit bureaus, or, in some cases, by looking at your loan statement. Some banks' apps allow customers to see their credit scores too.

How is information added to your credit report?

Lenders, credit card companies, and other financial institutions report information about your loans and payment history to the 3 credit bureaus. The bureaus then add this information to your credit report. Remember, it's possible to see slight differences across your 3 credit reports based on what a certain lender reports to each bureau.

You can't add information directly to the credit report yourself, though. It must come from your lenders and other companies. But if there's information missing from your credit report that you'd like added, you can request that your lender contact the credit agencies to submit that data.

Over time, the rating agencies update your credit report and remove old information. This means that negative credit behavior found on your credit report likely won't hurt you forever.

How long do late payments stay on your credit report?

Late payments can stay on your credit report for up to 7 years. This is true even if you've caught up on your late payments and are current on your accounts—so make every effort to pay on time. Consider signing up for autopay on your accounts, for example, or setting calendar reminders to avoid forgetting to make a payment.

How long do hard inquiries stay on your credit report?

A hard credit inquiry is when a lender or credit card company pulls your credit report because they are considering approving you for a loan. Lenders want a record of your hard inquiries so they can see if you're applying for multiple loans at the same time—a perceived sign you might be experiencing financial hardship or some other cash-flow problem. Hard inquiries stay on your report for up to 2 years, and a lender needs your permission before conducting one.

If someone pulls your report for a background check or something else unrelated to creating a new credit application, it's known as a soft inquiry. These do not appear on your credit report.

How long does a bankruptcy stay on your credit report?

The amount of time that a bankruptcy stays on your credit report depends on what type of bankruptcy you declare.

In Chapter 13 bankruptcy, your debts are reorganized under a court-ordered repayment plan. This plan will typically require you to make reduced payments to your creditors over a 3- to 5-year period. After that period, any remaining qualifying debts will be discharged. Chapter 13 bankruptcy stays on your credit report for up to 7 years.

With Chapter 7 bankruptcy, you're required to liquidate non-exempt assets (selling property, for example) and to use the proceeds of that liquidation to pay back your creditors. If any qualified debt remains after this liquidation, it will be discharged by the court. Chapter 7 bankruptcy stays on your credit report for up to 10 years.

How long do collections stay on your credit report?

If you fall behind on a bill or debt and don't catch up, your creditor could sell the debt to a collections agency, which will try to get the money from you. Debt in collections that's reported to the credit bureaus can stay on your credit report for up to 7 years from the first missed payment that sent the account into collections.

A notable exception is medical debt: Paid medical collections will not appear on your credit report at all. And only unpaid medical collections with initial balances of $500 or more will show up on your credit report.

How to dispute your credit report and fix errors

A Consumer Reports study found more than one-third of participants had credit reports with some type of error. 1 If you see a mistake on your report, you should file a dispute letter with the credit bureau. You can do so through their website, by mail, or over the phone.

You'll need to show them the mistake on your report and explain why it's wrong. You should also be ready to provide any proof you have to show why the information is inaccurate. For example, if your report still shows a loan that you paid off, you might send documents you received from your lender saying that you've completed paying off the debt. Likewise, if a report indicates you've missed payments, you might send them statements showing payments for the dates in question.

By tracking your credit report and keeping it up to date, you can put your best foot forward with anyone who checks it in the future.

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Contact Experian India

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Experian Credit Information Company of India Private Limited

5th Floor, East Wing Tower 3, Equinox Business Park, LBS Marg, Kurla (West), Mumbai -400070, India T: +91 (0) 22 6818 6700 E: Bureau Membership Support – [email protected] E: Individual Credit Report Support – [email protected] F: +91 (0) 22 6818 6792

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    Central Source LLC P.O. Box 105283 Atlanta, GA 30348-5283 If you have specific questions about your credit file, you should contact the nationwide consumer credit reporting company directly using the contact information provided with your credit report. Continue to contact form Next ACR Contact us

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  15. What is a credit report?

    How what's on your credit report impacts your credit score. Your FICO credit score is a 3-digit number ranging from 300 to 850, with 850 being the best possible score. This score is a reflection of the information in your credit report, particularly how much debt you have and whether you've paid it down on time.

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