Equifax, Experian, Transunion

The three major credit reporting bureaus are Experian, Equifax, and TransUnion. Understanding how bankruptcy affects your credit is just as important as knowing the legal process itself. That’s why this page on Bankruptcy.blog also includes essential information about the three major credit bureaus: Equifax, Experian, and TransUnion.

These agencies collect and report your financial history, including bankruptcy filings, which can significantly impact your credit score and future borrowing ability. I’ve gathered key details on how each bureau handles bankruptcy records, what you can do to ensure your credit report is accurate, and how to contact them directly. Whether you’re planning your financial recovery or just want to stay informed, this section helps you take control of your credit profile

Experian

To file an online dispute with Equifax, try this link.

Experian’s mailing address for dispute requests is:

P.O. Box 4500
Allen, TX 75013

You can submit your dispute and any supporting documents more quickly at experian.com/upload.

In order to help you submit an accurate request, you may find it useful to first obtain your personal Experian credit report.

The following is required when proceeding with a dispute:

Your full name, including middle initial (and generation such as JR, SR, II, III)
Your date of birth
Your Social Security number (if you have never been issued a Social Security number, please note that in your request)
All addresses where you have lived during the past two years
One copy of a government-issued identification card, such as a driver’s license or state ID card etc.
One copy of a utility bill, bank or insurance statement, etc.
List each item on your report that you believe is inaccurate, the account number, and the specific reason you feel the information is incorrect.
There is no charge for submitting a dispute.

Send your completed dispute information to the address above. Only include copies and do not send original documentation. Experian cannot return copies from your mailed request.

What Happens Next?

Once they receive your request, they will contact the furnisher of the information or the vendor who collected the information from a public record source (such as a court or other government office).
When they complete the dispute process, which may take up to 30 days, they will send you the results.
Check the status of your dispute.

For customer support, try this link.

Equifax

For Equifax, to submit a dispute online, try this link.

By Phone
You can call Equifax to help you with all of these services and products.
1-888-Equifax (1-888-378-4329)
Their call center hours are:
9:00 am to 9:00 pm (ET), Monday through Friday, and 9:00 am to 6:00 pm (ET), Saturday and Sunday.

Additional information on your credit report can be found here.

TransUnion

For customer support issues:

Phone number: 833-806-1627

Hours: Monday – Friday 8 a.m. – 9 p.m. Eastern Time

Saturday – Sunday 8 a.m. – 5 p.m. Eastern Time

Disputes with TransUnion are available online via this link.

Equifax, Experian, and TransUnion allow for obtaining your credit report for free. You can also access all three from Annual Credit Report website. You can also obtain your credit report directly from each credit reporting bureau on their main website.

Protect your credit and identity!

Prof. Alex

Colleges and universities can purchase my bankruptcy law textbook directly from Routledge Publishing. For paralegals and students buying single copies, you can do so via Amazon Books. To access my YouTube channel, click this link.

Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only.

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