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Experion, Equafax, Transunian
Because of the crucial role that they play in a loan process that helps consumers achieve their goals and lenders stay profitable, Experian and the other major national credit reporting agencies recognize that they need to collect, assemble and distribute accurate, timely assessments of a consumer's financial reliability.
The result of this exacting effort is the credit report, the instrument that makes possible this nation's ready access to credit. Without such a finely tuned national system, consumers would find that their freedom to move about would be curtailed because they could only borrow from local lenders.
In addition to Experian (formerly TRW), Equifax and TransUnion, the country is served by hundreds of affiliate credit bureaus, which assemble credit information in particular areas and are affiliated with one of the major organizations.
To request a copy of your credit report, contact the credit reporting
Equafax Contact Information
Mailing Address: P.O. Box 740256, Atlanta GA 30374
Website Address: www.equifax.com
Reporting Fraud to Equifax: (800) 525-6285
Experion Contact Information
Mailing Address: P.O. Box 9595, Allen TX 75013
Website Address: www.experian.com
Reporting Fraud to Experian: (888) EXPERIAN
(TRW sold off their credit reporting services, which is now referred to
TransUnian Contact Information
Mailing Address: P.O. Box 2000, Chester PA 19022
Website Address: www.transunion.com
Reporting Fraud to Trans Union: (800) 680-7289
To request a copy of your FICO credit score, contact Fair Isaac directly:
Fair Isaac Contact Information
Website Address: www.myfico.com
This article is provided for general guidance and information. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.