In case you need to speak with a representative at one of the big three credit bureaus, here are the phone numbers.
Experian 800-493-1058
TransUnion 1-800-680-7289 Get to a live person fastest: At prompt, press 4 then press 2.
Equifax 1-866-640-2273 Get to a live person fastest: At prompt, press 1; then wait.
Other Important Information
The big three credit bureaus are not the only ones collecting data. Others have entered the ring, and you need to order your credit reports from them now, too, so you can dispute false, outdated, incomplete, and/or unverified/unverifiable account information.
Did you know that Innovis is the 4th largest credit bureau? Mortgage giants Fannie Mae and Freddie Mac report to them.
Sage Stream is a credit bureau that is used by automobile lenders, credit card companies, utility companies and cell phone services.
Clarity Services specializes in predicting risk of lending to people without perfect credit.
LexisNexis is not a credit bureau, but they collect data and mortgage lenders often use them to discover something that may not be on a regular credit report. LexisNexis also communicates back and forth with Sage Stream.
All this and much more is in the brand new book, Repair Your Credit Like the Pros DEEPER DIVE, which you can see here.
Thank you for this very helpful information! I have your book 1 and I will definitely be purchasing book 2 (“Repair Your Credit Like the Pros Deeper Dive”).
Thank you for your comment, Phyllis. I am fully confident you will love DEEPER DIVE. I have continued to learn about credit repair over the years, and this new book has all my best current information for success. It goes hand-in-hand with the first book that you have now.
Thank you I am having a problem with freezing and unfreezing my credit report because it still has my old landline phone # which I have disconnected over a year ago. Now I only use a cell phone and am problems calling and speaking to a live agent to assist me with this problem. How can I receive hep with this? This is very frustrating. please reply.
diannhall@comcast.net.
I would first call and speak with a live agent. I don’t know what problems you are having with calling, so I don’t know what to tell you about that, except that the phone numbers do work and that you have to be both patient and tenacious in getting through to someone. I have personally called and have gotten through. Also, I would need you to tell me which credit bureau(s) have your old landline that is still reporting. That said, if you can’t be successful by phone, then there is always the mail. Be sure to write in big red letters at the top: EXTREMELY URGENT! FALSE PHONE NUMBER IS REPORTING! Then demand immediate attention and state that they are in violation of the law. If you have further trouble, please contact me by using my Ask a Quick Question page rather than posting on my blog so that I see it right away. I apologize for not seeing your comment until today.