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Debt Counseling Assistance :: 3 Major Credit Bureaus
3 Major Credit Bureaus:
An Overview of the 3 Major U.S. Credit Bureaus
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The 3 major credit bureaus in the U.S. are responsible for collecting information about how consumers use credit. They then sell that information to other potential lenders or anyone with a legally-recognized reason for accessing your credit.
The 3 major credit bureaus are Equifax, Transunion and Experian. In the event that you need to access or correct your credit report, you will need to get in touch with each company individually. To find out more about each of these firms and how to contact them, keep reading.
Equifax
Started in 1899, Equifax is the country's oldest credit agency. The Atlanta-based firm tracks information on over 400 million global credit users. Equifax was also one of the first firms to introduce a credit “score.” It's a numerical score on a scale of 250 to 800 that is based on the consumer's credit history.
To get in touch with Equifax, you can visit their website at http://www.equifax.com or write to them at P.O. Box 740241, Atlanta, GA 30374.
Transunion
Started in 1968, Transunion is the country's second-largest credit agency. The Pennsylvania-based firm operates over 250 offices throughout the U.S. and in 24 other countries. Transunion runs its ratings on a R1 to R9 scale, with R1 being the best.
To get in touch with Transunion, you can visit their website at http://transunion.com or write to them at P.O. Box 1000, Chester, PA 19022.
Experian
Started in 1990, Experian is the country's smallest major credit agency. The company's headquarters are in Dublin, Ireland, but collects credit information on over 215 million U.S. consumers. Experian operates in over 36 countries and their business also includes vehicle title and registration data.
To get in touch with Experian, you can visit their website at http://experian.com or write to them at P.O. Box 2002, Allen, TX 75013 .
These are the 3 major credit bureaus. Most consumers will find Equifax and Transunion to be the company's with the most coverage and information. However, if you're investigating possible identity fraud, it's always important to check all three.
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