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Three Major Credit Bureaus
Author: Michael Smith
Website:
Added: Fri, Aug 25, 2006 19:29:23
Category: Credit
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The 3 leading credit bureaus factor into most of our lives if we've ever purchased a home, a car, or other major item or if we use credit cards.
When we want to finance a car, a house, appliances, or electrical or computer equipment, the finance company will run a credit check with one of the 3 major credit bureaus. They will contact either Equifax, Experian, or TransUnion. Listed here are some of the particulars of each of the three major credit unions:
Equifax (www.equifax.com) Equifax offers services and products to protect against identity theft, to manage and check credit, and to prepare for a major purchase. Equifax also provides tools for checking the value of a property, credit ranking, and the latest in business solutions (for B2B, B2C, and direct marketing, for example) and news ...featuring such valuable articles as "Small Businesses Beware: 'Rip Me Off' is Written all over You", "You Say You Can Smell Phish in Your In-box?", "Credit Union Thwarts Phishers and Reveals How", and "Websites Let Users Send Email to Future."
TO CALL For general concerns, call 1-800-685-1111 To report or investigate fraud, call 1-800-525-6285
TO WRITE To send mail correspondence, write to PO Box 740241, Atlanta, GA 30374
Experian (www.experian.com) Experian also offers products and services to protect against fraud. You can check 3-credit bureau reports, check vehicle history (with a report), and get further educated about your credit and heeding customer alerts (such as those on Experian's Katrina victims help pages and how to beware of phishing).
TO CALL For general concerns, or to report or investigate fraud, call 1-888-397-3742
TO WRITE To send mail correspondence, write to PO Box 2002, Allen, TX 75013
TransUnion (www.transunion.com) Like the other two, TransUnion offers products and support services for credit monitoring, provides fraud-prevention education and help, and free credit card report disclosures. You can subscribe to their newsletter to stay updated and get helpful credit tips; find much information on preventing fraud or resuscitating your credit if you have been a victim of fraud; and dispute credit card items you suspect or know to be false.
TO CALL For general concerns, call 1-800-888-4213 To report or investigate fraud, call 1-800-680-7289
TO WRITE To send mail correspondence, write to PO Box 2000, Chester, PA 19022
If you need to, you can use all three major credit bureaus for help or support ...or use only one, as each of these three offers a combined, 3-in-1 report.
About the Author:
Michael Smith is a Certified Financial Planner from Baltimore, Maryland
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