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3 Credit Bureau FAQ

There are three credit reporting agencies (credit bureau) throughout the United States. They are all collecting information on you. Each will contain slightly different information. Each bureau is stronger in certain geographic locations.

Some creditors may only pull your credit report from one of the credit bureaus, but often times they pull from all three.

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
(1-800-685-1111)

Trans Union
Post Office Box 2000
Chester, PA 19022
(1-800-888-4213)

Experian National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
(1-888-397-3742)

 

Credit Bureau(s) and Credit Error(s)

If you find an error on one credit report, there is no way to know for sure if that error is on the other credit report(s) as well. The only way is to get a 3 in 1 credit bureau which will show all three credit reports.

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When I Apply for Credit Which Credit Bureau Is Used

Often times a creditor will pull one credit bureau for prequalification. For auto loans, usually only one bureau is used. For a mortgage, creditors tend to pull all three before a final decision is made. Usually, the average or middle credit score is used. Knowing your credit and knowing which bureau is used can help you get the best rate.

 
 

How Do I Know Which Bureau Is Being Reported To

Most major national creditors will report to all three credit bureaus. If it is a local creditor, chances are they only report to the strongest local bureau.

 
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The Credit Bureaus Credit Scores Removing Errors Negative Information Credit Counseling
What's in My Credit Report Establishing Credit Disputing Items Preventing Identity Theft Credit Repair
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