The three national credit bureaus—Experian, TransUnion, and Equifax—offer multiple ways to access your credit information, protect your identity, and fix errors. Use this guide to reach each bureau fast, plus learn how CreditVanahelps you monitor all three and spot issues early.
Quick Contacts: The Three Credit Bureaus
| Bureau | Website | Phone |
|---|---|---|
| Experian | Experian.com | 888-397-3742 |
| TransUnion | TransUnion.com | 800-916-8800 |
| Equifax | Equifax.com | 888-EQUIFAX (888-378-4329) |
Tip (CreditVana): Keep these in your phone notes. When applying for credit, you may need to quickly thaw or re-freeze with each bureau.
Experian — What You Can Do & How to Reach Them
Get Your Credit Report & Score
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Create a free account with Experian to access your Experian credit report with ongoing updates.
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By law, you can also download free weekly reports from all three bureaus at AnnualCreditReport.com (hard-copy by mail available via request form).
Disputes (Fix Errors)
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Use the Experian Dispute Center to file online, upload documents, and track status.
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You can also dispute by phone (number listed on your report) or by mail (forms available on their site).
Security Freeze (a.k.a. Credit Freeze)
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Place, lift (thaw), or remove a freeze online, by phone (888-397-3742), or by mail:
Experian, P.O. Box 9554, Allen, TX 75013. -
Freezes block most new credit checks—so temporarily thaw before applying.
Fraud Alert
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Add a fraud alert online, by phone, or by mail (same address as above).
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Alerts are less restrictive than freezes and automatically propagate to all three bureaus when placed at one. (Removing early must be done with each bureau.)
TransUnion — What You Can Do & How to Reach Them
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The TransUnion Consumer Support pages let you:
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Get your report
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File disputes
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Manage freezes and fraud alerts
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Manage any paid subscriptions/services
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Most actions can also be handled by phone: 800-916-8800.
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Mail options and additional service numbers are listed on TransUnion’s customer service pages.
Equifax — What You Can Do & How to Reach Them
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The Equifax Online Self Service hub provides links to:
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Get your report
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File disputes for inaccuracies
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Manage fraud alerts and security freezes
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Download forms for mail-in requests
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Phone support: 888-EQUIFAX (888-378-4329).
Why You Might Contact the Bureaus
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Check your credit reports (and your credit scores).
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Place a fraud alert or security freeze if you suspect identity theft.
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Dispute inaccuracies (misattributed late payments, unknown accounts, wrong balances, etc.).
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Manage your bureau accounts (technical help, subscription questions, cancellations).
Legal Reminder: Each bureau must provide access to your credit file, handle disputes, and support fraud alerts/freezes under federal law.
CreditVana Makes Monitoring Easier (All 3 Bureaus, One Dashboard)
Even when your credit is frozen, monitoring matters. With CreditVana, you can:
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See 3-bureau updates (Experian, TransUnion, Equifax) in one place
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Get real-time alerts for key changes (new accounts, inquiries, balances)
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Use AI-powered insights to spot what’s helping or hurting your score
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Access freeze/thaw checklists and dispute prep guidance so you contact the right bureau with the right documents the first time
✅ Download CreditVana to track all three bureaus side-by-side—free.
Fast FAQs
Do I have to contact each bureau separately?
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For freezes and thaws, yes—you manage each bureau individually.
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Fraud alerts placed with one bureau are generally shared with all three (removal before expiration requires contacting each).
Do I need to thaw for prequalification?
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Many prequalification checks use soft pulls, but not all. If you’re rate shopping, consider a temporary thaw to avoid hiccups.
Will monitoring replace a freeze?
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No. A freeze limits new-account access; monitoring helps you detect issues quickly. They work best together.
The Bottom Line
The bureaus handle your official files—reports, disputes, fraud alerts, and freezes. CreditVana helps you see everything in one place, get alerts fast, and prepare the right steps before you contact a bureau—so you protect your identity and keep your credit spotless.
Start free with CreditVana and stay in control of your credit, 24/7.
