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Credit Reporting Agencies

There are three major credit reporting agencies, Experian, Equifax and Transunion. These three major credit bureaus maintain files on nearly 90 percent of all American adults. The three major credit reporting agencies collect and compile information about you and your credit history from public records, your creditors, public record sources such as lawsuits, bankruptcy filings, tax liens and legal judgments as well as from other reliable sources.

These agencies make your credit history available to your current and prospective creditors and employers as allowed by law and then in turn sell that information to creditors who are considering granting you credit.

Credit reporting agencies play an important part in the information gathering process for consumers however this information is not always accurate. The information that appears about you and your credit history may also differ on the three major credit reporting agencies. It is your right by law to dispute the information that appears about your credit history. Statistics show that about 80% of the the consumers' credit reports surveyed contained either serious errors or other mistakes of some kind.

Best legal credit repair is a professional credit repair company that can dispute negative items on your behalf and get them legally removed for you. Get Started Now.

More about Credit Reporting Agencies

There are actually quite a few other major credit reporting agencies as well as a variety of local credit reporting agencies, but they for the most part, are not used by most the major banks and/or creditors. To see a list of local credit reporting agencies in your area, you can check your local telephone directory under headings such as "Credit Reporting Agencies" to find a list of the smaller credit reporting agencies in your area.

The three major credit reporting agencies

Equifax is a U.S. & International consumer credit reporting agency. Experian handles consumer credit reports as well as business credit and TransUnion handles primarily, consumer credit reports. Listed below is the addresses and phone numbers of the 3 major credit reporting agencies.

credit reporting agencies addresses

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

Experian (
P.O. Box 2104
Allen, TX 75013-0949
1-888-EXPERIAN (397-3742)

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

To have Best Legal Credit Repair dispute negative items on your behalf, please give us a call at 1-800-455-9416 for a free no obligation consultation or fill out our 2 Minute Form and a representative will contact you immediately to get started.

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