July 7, 2006, Newsletter Issue #47: Credit Reporting Agency

Tip of the Week

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.

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