You can contact the credit bureaus online, by phone, or by mail. The best way to contact a credit bureau is electronically because customer service representatives will not always have the answers to your questions immediately. Credit bureau customer service can help consumers with account management, credit freezes, disputes, fraud alerts, and more. Below, you can find a breakdown of the various ways to contact the credit bureaus, depending on what you need to contact them for.
There are three major credit bureaus, and none is necessarily better than the others. Major lenders typically pull credit reports from and relay account data to all three major bureaus. Smaller lenders might use and report to just one or two, but there is no significant difference in terms of each bureau’s share of their business.… read full answer
One factor promoting parity among the major bureaus is the manner in which they share information. If you successfully dispute something on one of your credit reports, for instance, that particular credit bureau is required to notify the other two of the necessary change. Credit scores based on each of these bureaus’ reports are bound to fluctuate due to minor data reporting discrepancies, but there is still no bureau-specific advantage to be found there.
There is, however, something we can learn about the relative popularity of the bureaus by evaluating the complaints submitted against them to the CFPB as well as their user ratings and reviews on WalletHub. Here’s how things stood as of March 17, 2016:
Equifax: 4.38-star user rating; 2,622 complaints in 2016
Experian: 4.0-star user rating; 2,271 complaints in 2016
TransUnion: 3.9-star user rating; 1,866 complaints in 2016
Finally, it’s important to note that some people who inquire after the best credit bureau are really looking for the best credit report site. It’s an understandable concern, considering the numerous options that exist, but we believe WalletHub is the best website from which to get a free credit report because it’s the only one that provides daily updates. That’s in addition to free daily credit score updates, 24/7 credit monitoring and personalized credit-improvement advice. But you can sign up and decide for yourself.
And, just to briefly return to the original “best-bureau” discussion, we’re ultimately partial to TransUnion because it provides the information powering WalletHub’s credit intelligence tools.
Your balance is reported to the credit bureaus on your closing date. This varies from one credit card company to another, but your closing date is usually a couple of days after the date your bill is due. Credit bureaus update your credit report whenever there's new information to add (such as inquiries, payments or delinquencies).… read full answer
Since credit scores are a direct result of the information on your credit report, they're also updated when the new data is in the system.
Not all complaints receive action, and you will likely have to wait weeks for a response, if you receive one. It is also important to ensure that if you are disputing something, it is in fact an error on the part of the credit bureaus and not just something you don’t recognize. You may be asked to provide evidence to back up your claim.
You can contact the TransUnion credit bureau online, by mail, or by phone. The TransUnion customer service phone number is 1 (855) 681-3196. Live customer service representatives are available from 8 a.m. until midnight EST, Monday through Thursday, and 8 a.m. to 8 p.m. EST Friday through Sunday. If you need to contact the credit bureau by mail, TransUnion’s mailing address is: TransUnion Consumer Solutions / P.O. Box 2000 / Chester, PA 19016.
TransUnion customer service can help you set up a credit freeze, file a dispute, add a fraud alert, manage your account, and more.
To add a fraud alert to your TransUnion credit report: add an alert online or call 800-680-7289.
Before you initiate contact with TransUnion, make sure to gather any relevant information and documentation that could come up during the conversation, such as your Social Security number, date of birth, financial records, and most recent credit report.
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