By phone, fax
Trans Union
Phone: 800-916-8800 or 800-888-4213
Fax: 714-447-603 or 714-830-2449
The voicemail system is available in Spanish or English and your report is mailed within 72 hours by U.S. mail. If you are faxing to TransUnion, please put "Attention: Consumer Relations" on the cover sheet.
Equifax
Phone: 800-685-1111 or 888-873-5392
Fax: 888-664-4535 or 888-729-0083
The voicemail system available in Spanish or English. It will let you record your request if you were turned down for credit, employment, or insurance.
Experian
Phone: 888-397-3742
Fax: 972-390-3809
The voicemail system is available in Spanish or English. It will let you record your request if you were turned down for credit, employment, or insurance. If you weren't recently denied credit, it will quote a price and tell you how to write for a copy of your report.
A word of caution:
If your phone request gets lost, you will have to write anyway. If your letter is later than 30 days after you were denied credit, employment, or insurance, you might have to pay for the report. Send your letter by registered or certified mail and mention the date that you requested the report by phone. With Equifax you must follow up your phone order with a written request containing proof of address, your driver's license, name, date of birth and SSN.
By mail
Trans Union
P.O. Box 2000
Chester, PA 19022-2000
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
Experian
P.O. Box 2104
Allen, TX 75013-2104
See all information you need to provide to CRA when requesting you credit reports by mail.
Thru the internet
You can order online from each agency from below links:
Or you can get 3-in-1 Credit Report from TransUnion website with TransUnion only score for $29.95. Scores from Equifax and Experian are available for $9.95 and are well worth it.
Once you receive credit reports, you need to study them very carefully.
What to look for on your credit report
