Credit Bureau Phone Numbers & Addresses for 2024


There are several reasons you might need to contact a credit bureau. You may wish to dispute a negative item on your credit report or place a fraud alert or security freeze if you’ve been a victim of identity theft. You may also want to request a free credit report or have general inquiries about your credit file.

typing a letter

As a consumer, you have a right to a free credit report from each of the three major credit bureaus every 12 months, as mandated by federal law. If you’ve been denied credit based on information in your credit report, you’re also entitled to a free report within 60 days of the denial.

How to Prepare Before Contacting a Credit Bureau

Before you contact the credit bureaus, it’s essential to gather all the necessary information. This could include your full name, address, Social Security number, and any relevant account numbers. If you’re disputing information, ensure you have clear evidence supporting your claim.

Understanding your rights under the Fair Credit Reporting Act (FCRA) is also crucial. This federal government act entitles you to dispute inaccurate or incomplete information in your credit report and to have the credit bureau investigate the dispute.

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How to Contact the Credit Bureaus

There may be instances where direct contact with credit bureaus becomes necessary, such as addressing inaccuracies or resolving negative items on your credit report.

You also have the option to engage with each credit reporting agency to place a fraud alert or security freeze on your credit report. This will prevent unauthorized access for new inquiries. This feature is now offered by the bureaus at no cost, helping thwart fraudulent applications swiftly.

Connecting with a real person can seem challenging, but persistence usually pays off. If you’re unable to connect via the credit bureau’s listed phone numbers, try contacting their corporate headquarters directly. Requesting a customer service representative should expedite getting someone on the line.

However, it’s generally more effective to correspond with the credit bureaus via mail.

Credit Bureau Addresses

The following information for contacting Equifax, Experian, and TransUnion is accurate as of the publishing of this article. However, they may update this information as these mailing addresses are known to change frequently.


Mailing address:

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

Phone numbers: (888) 298-0045


To freeze your Equifax credit report: 800-349-9960


Mailing address:

P.O. Box 4500
Allen, TX 75013

Phone number: (888) 397-3742


To freeze your Experian credit report: 888-397-3742


Mailing address:

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

Phone number: (800) 916-8800


To freeze your TransUnion credit report: 888-909-8872

Communicating Effectively with Credit Bureaus

When it comes to mailing addresses, corporate headquarters aren’t the right addresses to write to concerning questions about individual credit accounts. Before sending the credit bureaus a letter, you need to ensure you’re addressing your letter to the correct department.

You can always refer to each credit bureau’s website to get up-to-date contact information or find online forms. It’s helpful to note that the credit bureaus prefer that you contact them by phone first.

When you speak with an agent, they’ll give you the best address to use for your particular issue. You may also wish to read each credit bureau’s website to find specific numbers besides the general numbers provided below. Either way, this is a great starting point to get connected to the right place.

How to Get Your Free Annual Credit Report

To get your free credit report from Equifax, Experian, and TransUnion, visit This site, run by the three credit bureaus and authorized by federal law, allows you to access your credit reports once every 12 months for free.

For more frequent access, you can purchase additional copies for around $15 each or get all three at a discounted rate. This is helpful for tracking changes or confirming dispute resolutions.

While free credit scores aren’t provided by the credit bureaus, several credit card companies offer this service.

Considerations for Purchasing Your Credit Report

Investing in your credit report can expedite the credit dispute process. Typically, credit bureaus take 30 days to investigate a dispute, but this extends to 45 days for free credit reports from

Other Credit Reporting Agencies

Innovis is not considered a major credit bureau. However, consumers have increasingly found it important to keep tabs on their Innovis credit report, especially given their relationship with Fannie Mae and Freddie Mac.

This credit bureau primarily sells lists to creditors (including mortgage lenders) of creditworthy and non-creditworthy individuals.

You can get a copy of your credit report and request changes just as you would with any of the three major credit bureaus. However, you’ll have to call the national opt-out number (1-888-567-8688) to have your name and number removed from their lists.

For free credit reports, contact:


Mailing address:

Attn: Consumer Assistance
P.O. Box 1640
Pittsburgh, PA 15230-1640

Phone number: (800) 540-2505


For Innovis corporate headquarters, contact:

250 E. Town St.
Columbus, Ohio 43215

PRBC Inc. (Payment Reporting Builds Credit)

A fifth credit reporting agency is PRBC Inc., which performs the same functions as the other consumer reporting agencies. However, it also allows consumers to build a positive credit history using alternative data, such as utility bills and insurance payments.

PRBC Inc. uses information not always reported to the other credit reporting agencies, allowing consumers to rebuild a positive credit history. The company is owned by MicroBilt Corporation.

MicroBilt Corporation

Mailing address:

1640 Airport Rd, Suite 115
Kennesaw, GA 30144

Phone number: (800) 884-4747


Frequently Asked Questions

How do you speak to a live person at Equifax?

To get in touch with a live representative at Equifax, you can call (888) 298-0045. If you have trouble getting through, another option is to reach out directly to their corporate headquarters. Patience and persistence usually pay off in these situations.

How do you speak to a live person at Experian?

To speak to a real person at Experian, call their customer service number at (888) 397-3742. Follow the automated prompts; however, these can sometimes be complex and time-consuming. Persistence is key, and if you’re unable to connect, try contacting their corporate headquarters directly.

How can I speak to a real person at TransUnion?

When trying to reach a real person at TransUnion, dial (800) 916-8800. Follow the voice prompts to connect with a customer service representative. As with the other bureaus, if the provided phone number doesn’t work, try reaching out to their corporate headquarters.

How do I report fraud or identity theft to credit bureaus?

If you’re a victim of identity theft, it’s important to alert the credit bureaus as soon as possible. Here’s how to do it:

  1. Equifax: Call the Equifax fraud division at (888) 298-0045. They can help you place a fraud alert or a credit freeze on your account.
  2. Experian: Reach out to Experian’s fraud center by calling (888) 397-3742. Similar to Equifax, they can assist in setting up a fraud alert or a credit freeze.
  3. TransUnion: TransUnion can be reached at 800-680-7289. They can also help you with fraud alerts or credit freezes.

After placing a fraud alert, you’ll be entitled to free copies of your credit reports. Review them for any suspicious activity or inaccuracies. If you see any, dispute them with the credit bureau that issued that report.

It’s also recommended to file a report with your local law enforcement and the Federal Trade Commission (FTC). Keep copies of all reports and correspondence as a record of your identity theft case.

Lauren Ward
Meet the author

Lauren is a personal finance writer who strives to equip readers with the knowledge to achieve their financial objectives. She has over a decade of experience and a Bachelor's degree in Japanese from Georgetown University.