Answers About Credit Bureaus
Select from the following questions about credit bureaus.
What is a credit bureau or credit-reporting agency?
These companies do two things: compile credit histories on prospective borrowers and provide credit reports to lenders.
Information in a credit report may include payment habits, number of credit accounts, balance of accounts, and length and place of employment. Lenders use these reports when making decisions on extending credit.
What are the three major credit bureaus?
- Equifax, 1-800-685-1111
- Experian, 1-888-397-3742
- TransUnion, 1-800-916-8800
Each bureau’s Web site contains information about
- ordering a credit report,
- disputing an item on your credit report, and
- fraud prevention and assistance.
Phone: 800-613-6743
TDD Number 713-658-0340
TTY: (800) 877-8339 (via a relay service)