The three main credit score bureaus within the U.S. are Experian, Equifax and TransUnion. There are loads of the explanation why you may must contact one among them, together with disputing an merchandise in your credit score report, freezing your credit score, or reporting fraud or id theft.
While the main credit score bureau web sites provide the flexibility to do a few of this on-line or by mail, typically speaking to a customer support consultant is likely to be your best option, particularly if it’s good to speak via a posh downside or need the additional peace of thoughts understanding that your situation is within the fingers of an precise human.
Credit bureau customer support telephone numbers
Each main credit score bureau has a principal customer support help telephone quantity:
Once you name, you’ll both be prompted to reply a number of questions or shall be straight related to an agent who can route your name based mostly on the motion you’d prefer to take.
Credit bureau self-service web sites
Each of the credit score bureaus has a self-service web page on its web site devoted to widespread buyer questions and widespread companies. Experian, Equifax and TransUnion provide customers the flexibility to:
Dispute an merchandise or situation on a credit score report.
Freeze and unfreeze your credit score (or the credit score of a minor or incapacitated individual you are serving to).
Report or monitor fraudulent exercise or id theft.
These self-service pages additionally let you full these actions on-line and by mail. Many comprise downloadable and printable types for mailing in addition to safe portals the place you possibly can submit requests nearly.
Information you’ll want
When initiating a telephone name with a number of of the credit score bureaus, be ready to reply questions designed to confirm your id.
You’ll doubtless be requested to your full title, date of start, Social Security quantity, and present and former addresses. Having this data accessible will guarantee the decision goes easily and stop you from having to name again later.
When it’s good to contact all bureaus vs. only one
In most circumstances, you will want to contact all three credit score bureaus individually in case you have an error to dispute or need to freeze (or unfreeze) your credit score. There is just one exception: fraud. If you name one of many credit score bureaus to ask for a fraud alert, that bureau will report it to the opposite two bureaus.
On the opposite hand, should you discover an error in a single credit score report, you need to request and look at your credit score studies from the opposite bureaus to see if that error is there, too, and make a separate dispute, if relevant.
Need extra data?
If you want extra details about any of those potential actions or need to resolve which type of communication — telephone, mail or on-line — most closely fits your wants, try our detailed guides:
How to dispute errors in your credit score report
Regularly reviewing your credit score studies to examine for errors or fraudulent exercise is an effective behavior to set. Errors in your credit score report may negatively affect your credit score rating, so disputing them may repay.
See our guides on dispute errors in your credit score report for extra particulars:
How to report fraud or id theft
Fraud and id theft are points that you just need to deal with swiftly. To report id theft, it’s good to name one of many credit score bureaus, in addition to the Federal Trade Commission and any corporations concerned. You also needs to place a freeze in your credit score to additional defend it.
Once you notify one bureau of id theft, it’ll notify the 2 remaining credit score bureaus. This approach, you solely must make one name to get additional scrutiny to any purposes opened in your title. However, to freeze your credit score you will want to name all three bureaus individually.
How to freeze your credit score
Freezing your credit score merely prevents you — or others — from opening credit score accounts in your title. Don’t fear: You’ll nonetheless be capable to use your present credit score as you usually do. Placing a freeze is free, as is quickly unfreezing if you need to apply for credit score, and it received’t have an effect on your credit score rating.
See our guides on request a credit score freeze from every of the bureaus:
How to request a duplicate of your credit score report
Your credit score report is an in depth historical past of your credit score utilization. You can request a duplicate of your credit score studies from the three main credit score bureaus. Due to the COVID-19 pandemic, you’re eligible to get a free weekly report via April 20.
Note that credit score studies don’t embody your credit score rating. You can examine your credit score rating without cost with NerdWallet, private finance web sites or some banks and bank card issuers.
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