Credit Bureaus 101 – Triple Credit Score
February 13, 2010 by Professor eCredit
Filed under Credit 101
Experian – TransUnion – Equifax
There are 3 major private, for profit Credit Reporting Agencies (CRA’s) also known as Credit Bureaus who gather information about consumer credit and their usage. The three major credit reporting agencies/Credit Bureaus are Equifax, Experian, and TransUnion. Get your FICO® Score Free
They accumulate all consumer financial transactions and credit inquires from all possible sources. The Credit Bureaus then package all of the financial transactions and inquires into a structured format which produces a report and score. For a fee, this information is then available to any legally recognized individual or organization which you have provided permission to usually in the form of an application. This score also known as your credit score is called VantageScore when ordered from Experian or TransUnion and FICO score when ordered from Equifax. Get your FICO® Score Free All 3 credit reports will provide you with a complete look at your credit score, credit history, loan balances, and creditor inquires. Some times a legally recognized individual or organization which you have given authorization to pull your credit score, only contacts one of the 3 credit bureaus to inquire on your credit history. However, in order to obtain a complete picture of your current credit position, a report from all 3 credit bureaus must be ordered. This report has several names such as triple credit score, three credit scores, 3 bureau credit report, or all in one credit report. Below is the appropriate contact information in order to dispute an error you found on your credit report.
Credit Bureau Contacts -
Main addresses and telephone numbers
Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
Customer Service 1-866-640-2273
Report fraud 1-888-766-0008
Get Your Equifax Credit Report Now!
Experian National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
Main line 1-800-397-3742
Alternative line 1-800-493-1058
www.experian.com
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022
Main line Customer Service 1-800-888-4213
Human operator 1-800-916-8800
www.transunion.com
Tip: It is important to pull all 3 credit reports in order to view your entire financial position as creditors do not all report to each of the 3 Credit Reporting Agencies(CRAs)!
Id protection with Experian Credit report and more this is why I use this company http://bit.ly/idprocredit
Thought you all should be interested in this. Stay on top of your finances with credit monitoring! http://bit.ly/idprocredit
Credit Bureaux
In the UK there is also Call Credit in the market against Experian and Equifax
You might get this in the form of First Name, last name, check credit report errors 2010 (RS reco) http://bit.ly/idprocredit