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Credit > Understanding Credit
Credit Reporting Agencies
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). There are three credit reporting agencies. These agancies collect information about you and your credit history from your creditors, public records, and other reliable sources, making your credit history available to prosective creditors and employers as allowed by the Fair Credit Reporting Act.
The credit reporting agencies are:
Equifax
PO Box 105873
Atlanta, GA 30348
800-685-1111
http://www.equifax.com/
Experian
PO Box 2002
Allen, TX 75013
Consumer Credit Questions
888-EXPERIAN (888-397-3742)
http://www.experian.com/
TransUnion
Post Office Box 2000
Chester, PA 19022
(800) 888-4213
http://www.transunion.com/
The tips on this website should be considered food for thought only. Lendingtips.com is a clearinghouse of ideas, not a professional adviser. Before any important decision, please consult the appropriate professionals (lawyer, accountant, real estate agency, broker etc.).
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