Who are the credit reporting bureaus?
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There are three primary credit reporting bureaus that are governed by the Federal Trade Commission (FTC) and the Fair Credit Reporting Act of 1971 - Equifax, Experian, and TransUnion. These credit bureaus provide a database for creditors to report the credit history of their consumers. The database maintained by each of the 'big three' reporting bureaus are neither mutually exclusive nor are they individually comprehensive. You may find the same credit events reported on two of the databases but not the third, for example. Thus, if you seek to verify your credit history, or that of another consumer, you will want to check with all 3 credit bureaus. For this reason, many credit reports offered by full-service credit agencies will provide a comprehensive report that factors the history of all three of the big Three's databases.
Below is the contact information for each of the 'big three' credit agencies:
Equifax Credit Information Services, Inc.
PO Box 740241
Atlanta, GA 30374
Web site: www.equifax.com
Order report: 1-800-685-1111
Report fraud: 1-800-525-6285
Experian (formerly TRW)
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
Web site: www.experian.com
Order report: 1-888-397-3742
Report fraud: 1-888-397-3742
TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
Web site: www.transunion.com
Order report: 1-800-888-4213
Report fraud: 1-800-916-8800
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