How and When to Talk to a Credit Bureau | Credit.com (2024)

FAQs

How do I talk to a credit bureau representative? ›

Experian (888) 397-3742. Transunion (800) 916-8800. Equifax (866) 349-5191.

If you're a consumer with questions or issues related to your personal credit report, drivers history report, disputes, fraud, identity theft, credit report freeze or credit monitoring services, please contact our Consumer Relations Department at 800-916-8800.

These agencies include Equifax, Experian, and TransUnion.

You should dispute a debt if you believe you don't owe it or the information and amount is incorrect. While you can submit your dispute at any time, sending it in writing within 30 days of receiving a validation notice, which can be your initial communication with the debt collector.

By Phone: Contact Experian's National Consumer Assistance Center at 1 888 EXPERIAN (1 888 397 3742). If you already have an Experian credit report you can dispute your information online. Or, contact us at the phone number on your report.

The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows: 30 days: Credit bureaus (referred to in the FCRA as credit reporting companies) must investigate and resolve disputes within 30 days of receiving them.

Consumers who have a problem with credit or consumer reporting can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). We use complaints to hold companies accountable in our enforcement and compliance work.

Please call us at (866) 640-2273 9am-9pm (ET) Monday-Friday, and 9am-6pm (ET) Saturday and Sunday.

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2023, the average FICO^® Score^☉ in the U.S. reached 715.

How accurate is credit karma? ›

Here's the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus.

The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.

Neither your TransUnion or Equifax score is more or less accurate than the other. They're just calculated from slightly differing sources. Your Equifax credit score is likely lower due to reporting differences.

Is AnnualCreditReport.com safe? AnnualCreditReport.com is authorized by federal law and safe to use — as long as you ensure you're on the correct site. Double-check the URL when you type it, to be sure you have not made a typo.

By Phone: Contact Experian's National Consumer Assistance Center at 1 888 EXPERIAN (1 888 397 3742). If you already have an Experian credit report you can dispute your information online. Or, contact us at the phone number on your report.

Please call us at (866) 640-2273 9am-9pm (ET) Monday-Friday, and 9am-6pm (ET) Saturday and Sunday.

You should contact Transunion on 0861 482 482 and Experian on 0861 105 665.