Three agencies accumulate data on which to base your credit history. Their names, addresses and phone numbers are shown below. It is normally very difficult to speak to a live person at these agencies; instead you are directed through a voice-mail maze which will give you instructions on how to get a copy of your report, what it may cost, or how to deal with a problem you may have. In any case, it is better to communicate in writing. Use certified mail so you will get a receipt showing that the agency received your letter and when they received it.

EQUIFAX Credit Information Services
P.O. Box 740241
Atlanta GA 30374-0241
(800) 525-6285
www.equifax.com

EXPERIAN (formerly TRW)
P.O. Box 9532
Allen, TX 75013
(800) 397-3742
www.experian.com

TRANSUNION
Fraud Victim Assitance Division

P.O. Box 6790
Fullerton, CA 92834-6790 
(800) 680-7289
www.transunion.com