How to Contact the Three Credit Bureaus
Equifax, Experian, and TransUnion each have different mailing addresses, online portals, and phone numbers for disputes. Here's everything you need, organized for action.
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When you need to dispute an error, freeze your credit, or request your free report, you'll need to contact one or more of the three major credit bureaus. Each has slightly different processes and contact information.
Equifax
- Online Disputes
- equifax.com/personal/credit-report-services/credit-dispute
- Mail Disputes
- Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256 - Phone
- 1-866-349-5191
- Security Freeze
- equifax.com/personal/credit-report-services/credit-freeze
Experian
- Online Disputes
- experian.com/disputes/main.html
- Mail Disputes
- Experian
P.O. Box 4500
Allen, TX 75013 - Phone
- 1-888-397-3742
- Security Freeze
- experian.com/freeze/center.html
TransUnion
- Online Disputes
- transunion.com/credit-disputes/dispute-your-credit
- Mail Disputes
- TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000 - Phone
- 1-800-916-8800
- Security Freeze
- transunion.com/credit-freeze
Free Annual Credit Reports
You are entitled to one free credit report from each bureau per year (currently weekly, due to COVID-era policy extensions). Request all three at once at AnnualCreditReport.com — the only federally mandated free report source. Do not use other "free report" sites that charge after a trial period.
Online vs. Mail: Which to Use?
Online disputes are faster (you'll typically get a response in 10–15 days rather than 30). However, mailing your dispute via certified mail with return receipt creates a paper trail and formal proof of the dispute date, which matters if you need to escalate to a CFPB complaint or lawsuit.
For significant disputes — identity theft, major inaccuracies, re-aged debt — use certified mail. For minor corrections, online is fine.
What to Include in Every Dispute
- Your full name, date of birth, current address (and address for the last 2 years)
- A copy of your government-issued ID
- A copy of a recent utility bill or bank statement (proof of address)
- The specific item(s) you're disputing with account number
- A clear explanation of why the information is wrong
- Copies (not originals) of any supporting documentation
Use our Dispute Letter Generator to create a properly formatted letter in seconds, or see How to Dispute a Credit Report Error for the full process.
Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer
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