Credit Bureau Contact Information (Updated 2020)


There are a number of reasons why you might need to contact the major credit bureaus. Perhaps you want to dispute a negative item or request a freeze on your credit report.

typing a letter

Even if you have good credit and don’t need to review or dispute any negative items, it’s a good idea to monitor and keep copies of your annual credit reports.

As a consumer, this helps to ensure fair credit pricing while also protecting you against identity theft.

Reviewing your free reports also lets you know where you stand credit-wise and allows you to check for any potential problems you might not be aware of. Mistakes happen and the sooner you can catch them, the better off your credit will be.

Where to Go for Your Free Annual Credit Report

If you’re looking for your free annual report from each of the big 3 — Equifax, Experian, and TransUnion — you can get copies of your free reports at

The website is operated by the three credit bureaus and is authorized by federal law. You can access each of your reports once every 12 months for free. So if you order your TransUnion credit report on September 30, you can’t get another free copy until October 1 of the following year.

After that, you can pay to receive more frequent copies, which usually cost around $15 each, or you can typically order all three together for a discounted price. You might find this helpful if you’ve requested changes to your credit reports or filed a dispute and want to confirm that the information has been updated.

Benefits of Paying for Your Credit Report

It may be wise to pay for your credit report if you need a faster dispute process. Normally, credit bureaus have 30 days to investigate a dispute. But if you get your credit report for free from, they have 45 days to respond.

How to Contact the Credit Bureaus

Sometimes you need to contact the individual credit reporting agencies concerning specific issues. This may involve various kinds of misreported information or negative items you want to clear up.

Additionally, you can contact each credit bureau to place a security freeze on your credit report. This stops anyone from accessing your credit reports for a new inquiry, which can cause fraudulent applications to be denied instantaneously. This service is now free from the credit bureaus.

No matter what your concern may be, it can be hard to get a real person on the phone. But if you’re persistent, you can always find a way. If the main numbers you find online won’t allow you to connect with someone, look up the company’s local corporate headquarters and call them directly. Ask to speak with a customer service agent to quickly get someone on the line.

With that said, we find that the best way to contact them is usually by mail.

Credit Bureau Addresses

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

When it comes to mailing addresses, corporate headquarters aren’t the right addresses to write to concerning questions about individual accounts. Before sending them a letter, you may want to verify the information to make sure you’re addressing your letter to the correct department.

You can always refer to each company’s website to get up-to-date contact information or to find online forms. It’s useful to note that the credit reporting companies prefer 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 company’s website to find specific numbers other than the general numbers provided below. Either way, this is a great starting point to get connected to the right place.

Equifax Information Services, LLC

P.O. Box 105788
Atlanta, GA 30348-5788
(888) 298-0045 (for customer care)
(800) 349-9960 (for security freezes)


P.O. Box 4500
Allen, TX 75013
(888) 397-3742 (for disputes)

TransUnion LLC

P.O. Box 2000
Chester, PA 19016-2000
(800) 916-8800

Other Credit Reporting Agencies

While Innovis is not one of the big three credit bureaus, consumers have increasingly found it important to keep tabs on Innovis credit report, especially given their relationship with Fannie Mae and Freddie Mac.

This company primarily serves to sell lists to creditors (including mortgage lenders) of creditworthy and non-creditworthy individuals.

You can access reports and request changes just as you would with any of the major three 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 reports, contact:


Attn: Consumer Assistance
P.O. Box 1640
Pittsburgh, PA 15230-1640
(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 CRCs. However, it also allows consumers to build reports and a positive credit history using alternative data, such as utility bills and insurance payments.

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

MicroBilt Corporation

1640 Airport Rd, Suite 115
Kennesaw, GA 30144
(800) 884-4747

Lauren Ward
Meet the author

Lauren is a Crediful writer whose aim is to give readers the financial tools they need to reach their own goals in life. She has written on personal finance issues for over six years and holds a Bachelor's degree in Japanese from Georgetown University.