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A person’s credit history is a detailed report of every transaction financial transaction that individual has made. Every late payment, charge off, or other credit disputes are detailed in your credit history. Your credit history is essentially your financial autobiography. Creditors will determine whether or not to lend you money based on your credit reports. Furthermore, even if you are approved, your credit score will also determine how much interest you will pay.

There are three major credit bureaus that keep track of our credit scores and history reports. Below you will find the three credit bureaus and their current contact information.

Equifax: Call 800-685-1111 for general questions. Call 800-525-6285 to report fraud.
P.O Box 740241, Atlanta, GA 30374; www.Equifax.com

Experian: Call 888-397-3742 for both general and questions relating to fraud.
P.O. Box 2002, Allen, Texas 75013; www.Experian.com

TransUnion: Call 800-888-4213 for general questions. Call 800-680-7289 to report fraud.
P.O. Box 2000, Chester, PA 19022; www.TransUnion.com

Free Annual Credit Report From All Three Bureaus

To save money and learn to improve your credit score you can receive a free report from annualcreditreport.com