3 Consumer Credit Reporting Bureaus

3 Consumer Credit Reporting Bureaus


If you apply for a credit card, take out a mortgage on a home, buy a car or even start a new job or rent an apartment, your credit reports will be pulled by creditors and other parties interested in knowing more about you.

Most consumers understand that credit reports are available to creditors, but not many people know that landlords and potential employees can view them too. That is why it is a very good idea for you to obtain copies of your credit reports at least once annually. You can do that for free by visiting AnnualCreditReport.com.

Who are the three credit reporting bureaus and what sort of information do they have about you? Experian, Equifax and Trans Union are the Big 3, and the details they have about you are similar though not precisely the same. Each bureau relies on creditors to supply information to them and those details are not always accurate or up-to-date. That is why reviewing your reports annually is wise.

The information contained in your report includes your name, address, where you work, credit lines, credit used, your repayment practice and more. Negative information can adversely affect your credit score and make it more difficult for you to obtain credit. Or, if you receive credit, you could end up paying a higher interest rate on your loan.

If you have a dispute with any of the three credit bureaus you need to contact them individually. For example, an error appearing on your Trans Union report needs to be brought to attention of Trans Union, not Experian or Equifax.

Dispute Addresses:

P.O. Box 740241
Atlanta, GA 30374-0241

P.O. Box 9701
Allen TX 75013

Trans Union
P.O. Box 1000
Chester, PA 19022

Verify the address by calling the respective credit reporting bureau before sending in your dispute letter.

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Categories: Credit Reports

About Author

Matthew C. Keegan

Matt Keegan is a freelance writer and editor as well as publisher of "Matt's Musings", his personal blog. Matt covers campus, consumer, business and financial topics on various websites and blogs, and has been published in the "Houston Chronicle", "Sam's Club Magazine" and "Wisconsin Golfer".