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3 Major Credit Bureaus: Experian, Equifax Trans Union The three major credit bureaus that handle the bulk of all credit inquiries are Experian, Equifax and Trans Union. These are private, for-profit corporations that assemble and disseminate credit related information to those authorized by law, or by you (when applying for credit, insurance or employment). Each bureau has it's own data base, and each may contain different information about you in your credit report. To get an overall assessment of your credit worthiness, you should obtain copies from all three credit bureaus. (request letter) It is not uncommon to find inaccurate or outdated information in your file especially if you have a common name like Smith, Jones, Miller etc. If you find that your file does have inaccurate or outdated information, you have the right to challenge the credit bureaus who must respond within 30 days after receipt of your request. (dispute letter) The credit bureaus are required by law to verify the accuracy of the item in question with the company that reported it. If they find the information to be in error, the item must be removed. However, if it's proven to be accurate, the item stays. Below are the addresses of the 3 major credit bureaus: Equifax [ Home
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