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Checking with the Credit Bureaus

Checking with the Credit Bureaus - The Beacon


By: Jason

Checking with the Credit Bureaus

Our office routinely receives calls and inquiries from consumers wanting to check their credit score. Some consumers mistake the BBB for a credit bureau and others simply want information how to obtain their credit reports. There are three nation-wide credit bureaus Equifax, TransUnion, and Experian which maintain credit information and issues credit scores. Lenders consider these scores when evaluating a candidate applying for a loan as a way to measure risk so it is important for consumers to be aware of what is on their credit report.

According to the Federal Trade Commission (the federal agency in charge of enforcing the Fair Credit Reporting Act or FCRA), the three credit bureaus are required to provide you with a free credit report at your request once a year.

To request your credit reports the FTC recommends or call 1-877-322-8228. The FTC also warns against imposter sites. Checkout the FTC tips here.

To dispute an error on your credit report, contact the appropriate credit bureau below.

Equifax: 1-800-685-1111;

Experian: 1-888-397-3742;

TransUnion: 1-800-916-8800;

For more consumer tips and business reports checkout

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Jason was the Manager of Dispute Resolution Services with the BBB and primary handled consumer complaints. He also assisted consumers with business inquiries. He was a regular contributor to the blog.