How to Contact Credit Bureaus — Equifax, Experian, and TransUnion

While there are many different credit-reporting agencies, Equifax, Experian and TransUnion are the three major consumer credit bureaus that collect credit information and compile it into credit reports. These credit reports are used as the basis for your credit scores. If the information on your report is incorrect or you have questions about the info on your reports, it makes sense to want to talk to someone about it.

But because of their size and complexity, knowing how and who to contact at a credit bureau can be a frustrating experience. Their official websites seem like they’re designed to purposely confuse consumers.

Here’s the information you’ll need if you want to contact one of the three major credit bureaus. We’ve culled through the information on their public websites and regularly update this listing for any changes.

Why You Would Contact A Credit Bureau

You may want to contact a credit bureau for any number of reasons. If you’ve subscribed to products or services sold by the credit bureaus, you may need to contact customer support or want to cancel your subscriptions.

Even if you haven’t subscribed to any of the credit bureau products, you may need to get in touch with them to dispute incorrect items on your credit report. The same would be the case if you need to register a name change with a bureau.

Victims of identity theft will want to put fraud alerts and security freezes on their credit files. This will usually require a telephone call directly to the credit bureau.

Contacting Equifax

Equifax has a straightforward contact page that shows how to get in touch with the bureau based on the reason you’re trying to contact it. Note that many of these reasons can be addressed online via Equifax’s website.

For a copy of your credit report

To request a copy of your Equifax credit report, call 1-866-349-5191 any time from 8 a.m. to midnight Eastern time, seven days a week. You can also send mail to the following address:

Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374-0241

Or, you can go to Equifax’s webpage.

For a dispute

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You can dispute information on your Equifax credit report by calling 1-866-349-5191 any time from 8 a.m. to midnight Eastern time, seven days a week. You can also mail your dispute to the address below.

Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256

For a fraud alert

Placing a fraud alert on your Equifax credit report can be done using an automated service line at 1-888-836-6351 from 7:30 a.m. to 1:30 a.m. Eastern time, seven days a week. Equifax also recommends that you reach out to 1-888-EQUIFAX for assistance in resolving this issue.

To place a fraud alert on your Equifax credit report by mail, contact Equifax at the following address:

Equifax Information Services LLC P.O. Box 105069 Atlanta, GA 30348-5069

For security freezes

For calls related to security freezes (including placing, temporarily lifting or permanently removing a security freeze), call Equifax at 1-888-298-0045 from 8 a.m. to midnight Eastern time, seven days a week. You can also send correspondence about a security freeze to the following address:

Equifax Information Services LLC P.O. Box 105788 Atlanta, GA 30348-5788

For other Equifax products

If you want to contact Equifax about TrustedID Premier, Lock & Alert or the 2017 Equifax Cybersecurity Incident, you can reach support staff at 1-888-548-7878. The phone number is available seven days a week from 8 a.m. to midnight Eastern time.

If you need help using or want to cancel a different Equifax product, you can call 1-866-640-2273 from 8 a.m. to 3 a.m. Eastern time, seven days a week.

To opt out of mailing lists

You can opt-out of Equifax mailing lists by calling 1-888-567-8688.

Contacting Experian

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Experian’s contact page shows you how to get in touch with the bureau based on why you’re trying to contact it. Experian also offers many of these services via its website if you’d prefer to go online instead of calling or mailing.

For a copy of your credit report

You can order your Experian credit report by phone by calling 1-888-397-3742. You can also request a copy online.

For a dispute

To dispute an item on your Experian credit report, the bureau refers you to its online option or you can contact them by mail at the address below.

Experian P.O. Box 4500 Allen, TX 75013

You can also dispute by telephone. But you’ll need to get a copy of your Experian credit report first. Then you can call the phone number listed on the report to begin a dispute by phone.

The phone number listed on my personal credit report to contact Experian was 1-855-246-9409. It’s available Monday through Friday from 9 a.m. to 5 p.m. in your time zone.

For fraud or identity theft

To contact Experian about fraud or identity theft, call 1-888-397-3742.

For other Experian products

You can call 1-479-343-6239 for inquiries related to MyExperian products. This number is available Monday through Friday from 6 a.m. to 8 p.m. Pacific time and Saturday and Sunday from 8 a.m. to 5 p.m. Pacific time.

To opt-out of mailing lists

To be excluded from Experian’s marketing lists, you can call 1-402-458-5247, email [email protected] or send mail to the address below.

Experian Marketing Services Attn: Opt-out Services P.O. Box 80128 Lincoln, NE 68521

Contacting TransUnion

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TransUnion’s contact page shares the bureau’s contact information based on what you’re trying to accomplish.

For a copy of your credit report

To get your free annual credit report, TransUnion doesn’t provide any of its contact information, instead redirecting you to AnnualCreditReport.com.

For a dispute

If you need to dispute an item on your TransUnion credit report, you can call 1-833-395-6941 Monday through Friday from 8 a.m. to 11 p.m. Eastern time. You can mail any relevant documents to the following address:

TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000

For a fraud alert

For fraud alerts, contact TransUnion at 1-800-680-7289 from 8 a.m. to 11 p.m. Eastern time or send mail to the address below.

TransUnion Fraud Victim Assistance P.O. Box 2000 Chester, PA 19016

For security freezes

To freeze or unfreeze your credit with TransUnion, the bureau directs you to a page with options to complete the process online. It also lists a contact phone number of 1-888-909-8872, which is available from 8 a.m. to 11 p.m. Eastern time. Another option is to send a letter to the address below.

TransUnion P.O. Box 160 Woodlyn, PA 19094

For other TransUnion products

For TransUnion credit monitoring, you can call 1-833-806-1626 Monday through Friday 8 a.m. to 9 p.m. Eastern time, or Saturday and Sunday 8 a.m. to 5 p.m. Eastern time.

You can contact TransUnion’s TrueIdentity service after logging in to your account or by calling 1-855-260-9279 Monday through Friday, 8 a.m. to 9 p.m. Eastern time, or Saturday through Sunday, 8 a.m. to 5 p.m. Eastern time.

To opt-out of mailing lists

If you wish to opt-out of TransUnion’s prescreened credit and insurance offers, the bureau directs you to OptOutPreScreen.com, which you can reach at 1-888-567-8688.