The online, phone and mail contacts for each of the three nationwide credit bureaus, the specialty reporting companies, free reports and the prescreened-offer opt-out. Each one is linked to the page we took it from.
| What you need | Online | Phone | |
|---|---|---|---|
| Dispute an errorFree. The bureau generally has 30 days to investigate. | Experian dispute center | 888-397-3742 | Experian P.O. Box 4500 Allen, TX 75013 |
| Freeze your creditFree. Keeps most new creditors from seeing your file. | Experian freeze page | 888-397-3742 | Experian Security Freeze P.O. Box 9554 Allen, TX 75013 |
| Place a fraud alertFree. One bureau passes it to the other two. | Experian fraud alert page | 888-397-3742 | Experian P.O. Box 9554 Allen, TX 75013 |
| What you need | Online | Phone | |
|---|---|---|---|
| Dispute an errorFree. The bureau generally has 30 days to investigate. | Equifax dispute center | 888-378-4329 | Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 |
| Freeze your creditFree. Keeps most new creditors from seeing your file. | Equifax freeze page | 888-298-0045 | Equifax Information Services LLC P.O. Box 105788 Atlanta, GA 30348-5788 |
| Place a fraud alertFree. One bureau passes it to the other two. | Equifax fraud alert page | 888-836-6351 | Equifax Information Services LLC P.O. Box 105069 Atlanta, GA 30348-5069 |
| What you need | Online | Phone | |
|---|---|---|---|
| Dispute an errorFree. The bureau generally has 30 days to investigate. | TransUnion dispute center | 800-916-8800 | TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 |
| Freeze your creditFree. Keeps most new creditors from seeing your file. | TransUnion freeze page | 800-916-8800 | TransUnion P.O. Box 160 Woodlyn, PA 19094 |
| Place a fraud alertFree. One bureau passes it to the other two. | TransUnion fraud alert page | 800-916-8800 | TransUnion P.O. Box 2000 Chester, PA 19016 |
Banks, phone companies, utilities and insurers check these files alongside, or instead of, the big three. You have the same right to see your file and dispute errors. Our guide to specialty consumer reports explains when each one matters.
Supplementary credit reporting company; sells data primarily to help companies manage credit and fraud risk.
Telecom, cable and utility payment data; those companies check it when you apply for service.
Source: NCTUE: Consumers; CFPB consumer reporting companies list: NCTUE
Checking and savings account history (for example unpaid overdrafts or accounts closed for cause); banks check it when you open an account.
Online requests go through ChexSystems' Consumer Portal (login/register from the linked pages).
Source: ChexSystems: Consumer disclosure; ChexSystems: Place a security freeze
Consumer disclosure file covering data such as insurance claims (C.L.U.E.), public records and other risk data used by insurers and businesses.
To request your file by mail, print the report request form (PDF). Freezes can also be requested with the online freeze form.
Source: LexisNexis Risk Solutions Consumer Portal; LexisNexis Risk Solutions: Security freeze; CFPB consumer reporting companies list: LexisNexis C.L.U.E.
Bank and deposit account data used by banks when you open accounts; also offers a Deposit Score.
Request your file through Early Warning's Secure Transfer Portal, by phone (Monday to Friday, 9am to 8pm ET), or by mail. Early Warning's consumer pages don't describe a security freeze process.
Source: Early Warning: Requesting your file disclosure; Early Warning: Consumer information
AnnualCreditReport.com is the only official site for free reports from all three bureaus. The three nationwide bureaus have permanently extended free weekly reports (FTC, page dated June 2026).
How to read what you get: getting your credit reports. Source: FTC: Free credit reports.
Stops the bureaus from selling your name for prescreened credit and insurance mailers. Five years by phone or online; permanent by signing and mailing the Permanent Opt-Out Election form (start online or by phone).
What changes when you opt out: prescreened offers. Sources: FTC: Prescreened credit and insurance offers; OptOutPrescreen.com; CFPB: I am tired of receiving credit card mailings. What can I do?.
Contacts change. We checked every address, number and link on this page against the linked sources on October 11, 2026. If one has changed, tell us.