Below is a list of contact numbers to reach the major credit reporting agencies. While this article was first created in 2011, they are maintained every year. Credit reporting agency contact phone numbers were last updated in 2021.
When to utilize reporting agency contact phone numbers:
While in most situations it is better to send letters for tracing purposes, phone numbers still have value in 2021. During the pandemic, the postal service response time made phone numbers more valuable. Utilize the below reporting agency contact phone numbers to initiate disputes.
How to format your call script:
It is important to prepare your script ahead of time. Knowing what to say when presented to an agent is valuable. Generally, you will be speaking with an off-shore call center. Do not get upset with potential language barriers and understand the right time to ask for a supervisor. Immediately asking for escalation does not mean instant resolutions, as there are many tiers of support.
Equifax:
- Equifax office in GA: 800-685-1111
- Equifax Dispute Fax #: 888-826-0573, 888-826-0549, 888-729-0083
- Equifax Business: 802-304-0364
- Equifax: 800-797-6801
- Equifax: 800-203-7843
Experian:
- Experian office in TX: 888-397-3742
- Experian Business: 888-211-0728
- Experian: 800-493-1058 or 888-397-3742
- Experian Dispute Fax: 972-390-3838
- Experian Dispute Fax: 972-390-4962
- Experian Dispute Fax: 972-390-4918
Transunion:
- Transunion office in PA: 800-888-4213
- Transunion: 888-259-6845 (6am-12 pacific time)
- Transunion: 800-916-8800 (consumer relations)
- Transunion Dispute Fax: 610-546-4606, 610-546-4771
- Transunion Fax: 714-525-0668
Innovis:
- Automated Info/Dispute: 800-457-0247
- Corporate Office: 614-223-0647