Credit Reporting Agency

Credit bureau reporting advice: Take the completed credit application the consumer filled out and verify the information with a credit reporting agency. The three major national sources of this information about consumers are: Equifax, at 1-888-202-4025 or www.equifax.com, Experian, at 1-888-217-6064 or www.experian.com, and TransUnion, at 1-312-466-7363 or www.transunion.com. Their addresses are as follows: * Equifax P.O. Box 740241 Atlanta, GA 30374-0241 (800) 685-1111. * Experian P.O. Box 2104 Allen, TX 75013 (888) EXPERIAN (888-397-3742). * Trans Union P.O. Box 1000 Chester, PA 19022 (800) 916-8800. In order to receive consumer credit reports, you will need to subscribe to the reporting agency's service. Once you've subscribed, you can order credit reports. Each credit report comes with a credit risk score, which predicts how likely this person is to default on a loan.