3 Credit Reporting Agencies Phone Numbers - Consumers Info

July 6, 2010 - PRLog -- This 3 digit number affects most segments of human existence. Everything from house mortgages, to how much money a bank will lend, is determined by the report generated from the 3 credit bureaus.

Aurora Lillo Editor of the "Credit Report And Scores" website -- http://www.CreditReportAndScores.biz -- pointed out;


“...Since the flow of money is largely electronic these days, the type of data that is compiled about a person's credit history is heavily influenced by the types of transactions that are made. For example, making a bill payment online is recorded and factored into the algorithm used by all 3 companies...”

The 3 reporting bureaus: Equifax, TransUnion and Experian all offer a free credit report that consumers can obtain once a year. They can be contacted via a toll-free number to take advantage of this opportunity, or it can be requested online from their website. The numbers for each company are listed below:

Equifax: 1-800-685-1111
TransUnion: 1-800-916-8800
Experian: 1-888-397-3742

The response times may vary, but the average is one to two weeks. Most people don't take advantage of this service because they don't understand how to calculate their score. However, with a simple guide, it is easy to use this in order to make better use of this type of report.

Even the credit companies make mistakes, some by incorrect information supplied by a creditor and others simply by accident. It is vital to obtain this document and check for erroneous data. This can be changed by pointing out what actually should be included on the paper. Of course, written proof must be available to verify the changes, but raising the credit number should be imperative to every consumer. There are agencies that will take care of most of these issues for clients who doesn't know how to themselves.

“...Although the bureaus are hesitant to give out information, the easiest way to raise that all important 3 digit number is to pay any and all debts on time. This makes up about a third of any score. One late payment can cost a significant number of points, and it doesn't go away quickly either. Consumers can make small adjustments such as paying bills online to ensure that payments sent in don't get lost or delayed in the mail. It is small things like this, that can make the difference between having that valued number in the high range or one much further down...” added A. Lillo.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportAndScores.biz