What Is The Mailing Address For The 3 Credit Bureaus?
The mailing address for Equifax is P.O. Box 740241, Atlanta, GA 30374-0241. The address for Experian is P.O. Box 2104, Allen, TX 75013-0949. The address for TransUnion is P.O. Box 1000, Chester, PA 19022.
Credit Bureau Addresses for Mailing Disputes
Mail your letter to all three credit bureaus if all three of your credit reports contain the error. The credit bureau has between 30 to 45 days to respond to your dispute letting you know the result of their investigation.
Here are the mailing addresses for each credit bureau:
Equifax
P.O. Box 7404256
Atlanta, GA 30374-0256
Experian
Dispute Department
P.O. Box 9701
Allen, TX 75013
TransUnion
Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000.
What happens after I send my dispute to a credit bureau?
After you’ve gathered all the paperwork and documentation you need and you send in your dispute to the credit bureau, they have to investigate your dispute within 30 days. Promptly, they will notify the business which initially provided the information, and that entity will perform their own investigation. If they discover that there was an error, your credit report will be updated.
How to Write a Credit Dispute Letter
If you don’t feel comfortable filing a dispute on your own, you can hire a credit repair company to do so on your behalf.
The second option is to escalate your dispute and hire a reputable credit repair company to help. Good credit repair companies have experience working with these matters and can often bring additional resources. Keep in mind that a reputable credit repair agency will never promise results and won’t take payment until they’ve rendered services on your behalf.
How to Contact Credit Bureaus — Equifax, Experian, and TransUnion
How to Contact Equifax
By phone: To request a copy of your Equifax credit report, call 1-888-Equifax (1-888-378-4329) any time from 9 am to 9 pm (ET), Monday through Friday, and 9 am to 6 pm (ET), Saturday and Sunday.
By mail: You can also fill out an Annual Credit Report Request Form and mail it to the following address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
How to Contact Experian
By phone: If you prefer talking to someone, you can request your Experian credit report over the phone by calling 1-888-397-3742.
By mail: Experian has a full page on its website dedicated to instructions for disputing by mail. It may be helpful to look over it before sending your dispute. When you’re ready, fill out this Dispute Request Form with any additional information attached and mail it to this address via Certified Mail:
Experian
P.O. Box 4500
Allen, TX 75013
How to Contact TransUnion
By phone: TransUnion advises consumers to call 800-888-4213 to request a credit report over the phone.
By mail: You can fill out an Annual Credit Report Request Form and mail it to the following address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281.