Triple Credit Score - Credit Bureaus 101


By Jeremiah Perez --

Experian - TransUnion - Equifax

There are 3 major private, for profit Credit Reporting Agencies (CRA's) also known as Credit Bureaus who gather information about consumer credit and their usage. The three major credit agencies are Equifax, Experian, and TransUnion. They accumulate all consumer financial transactions and inquires from all possible sources. The Bureaus then package all of the financial transactions and inquires into a structured format which produces a report and score.

For a fee, this information is then available to any legally recognized individual or organization which you have provided permission to usually in the form of an application. This score also known as your credit score is called VantageScore when ordered from Experian or TransUnion and FICO score when ordered from Equifax.

All 3 reports will provide you with a complete look at your score, history, loan balances, and creditor inquires. The legally recognized individual or organization which you have given authorization to pull your credit score, sometimes only contacts one of the 3 bureaus to inquire on your credit history. However, in order to obtain a complete picture of your current position, a report from all 3 bureaus must be ordered. This report has several names such as triple credit score, three credit scores, 3 bureau credit report, or all in one credit report. Below is the appropriate contact information in order to dispute an error you found on any of your reports.

Credit Bureau Contacts -
Main addresses and telephone numbers

Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
Customer Service 1-866-640-2273
Report fraud 1-888-766-0008


Experian National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
Main line 1-800-397-3742
Alternative line 1-800-493-1058

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022
Main line Customer Service 1-800-888-4213
Human operator 1-800-916-8800

Tip: It is important to pull all 3 reports in order to view your entire financial
position as creditors do not all report to each of the 3 Credit Reporting Agencies(CRAs)!

Do not take your credit lightly, it is important and you should have all the tools
necessary to manage it. Visit www.eCreditCollege.com We are your link to credit education.



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