The Credit Reporting Agencies (CRAs) received their information about you from your creditors and public records.

These agencies sell your credit history to your current and prospective creditors and employers as allowed by law.  Credit agencies do not grant or deny credit, they only gather, record, and supply your credit information.

The three credit reporting agencies are:

            Equifax
            P.O. Box 105873
            Atlanta, GA 30348

            800-685-1111
            https://www.econsumer.equifax.com

            Experian
            P.O. Box 2002
            Allen, TX 75013

            888-397-3742
            http://www.experian.com

            TransUnion
            P.O. Box 2000
            Chester, PA 19022

            800-888-4213
            http://www.transunion.com

If you have an error on your credit report, we suggest that you contact the credit agencies and your creditor in writing.  Please see our “Correcting Credit Report Errors” section of Understanding Your Credit.