How To Contact The Credit Bureaus?

The first thing to consider before contacting the credit bureaus is the reason behind it. It might make a small difference to the procedure that you need to follow in order to make successful communication.  For example if you need to contact the credit bureau in regards to any discrepancy for error of entry on your credit report, then it is advisable first to get a copy of your recent credit report.  Many are times when you try to contact the credit bureau over the telephone or through the Internet the purpose of disputing an error, you are required to provide your credit report number first.  So in case you haven’t done so already you can get a free copy of your credit report from

Contacting the credit bureaus online and through their website is is probably the easiest way to do it. If you feel that their online contact forms serve the purpose than this might be the quickest way to make contact. However, in case you need to send them a letter or documents through postal mail, listed below are the addresses and the official phone numbers of the three national credit bureaus.

P.O. Box 740241
Atlanta, GA 30374

P.O. Box 2002
Allen, TX 75013
1 888 397 3742

P.O. Box 1000
Chester, PA 19022


However, things may not be quite as simple as they may seem.  If you are unable to get a person on the telephone line calling up on the numbers listed above and the numbers listed on the credit bureaus websites, try the underlying steps. These will have you speak directly to a person at the credit bureau.


Dial 866 640-2273

Press 30 at each prompt, ignoring message.


Dial 800 493-1058

Say "yes"

Enter credit report #

Enter social security #

Say "yes"

Say "agent" then "yes" to confirm at prompts thereafter.

With this method, as is obvious, you are going to need your credit report number is listed on your credit report. So if you already have it, good. If you do not you can download the free copy that all credit bureaus are required to provide you with according to the law or if you have already exhausted this option, you can look try other methods in which case you will probably be required to pay a nominal fee for it.


Dial 800 916-8800

Press 2 at each prompt, ignoring messages.

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