According to Federal Law, each adult in the United States is entitled to a free credit report from each of the three major credit reporting agencies – Equifax, Transunion and Experian. However, trying to find information on how to talk to a live customer service person at one of the credit agencies can be quite a hassle. We are here to help. If you want your free credit report and want to speak to a human, here is the information you need:
The Live Customer Support information for the three major national credit bureaus are:
- Equifax, 1-800-685-1111
Fraud Hotline: 1-888-766-0008
- Experian, 1-888-397-3742
Fraud Hotline: 1-888-397-3742
- TransUnion, 1-800-916-8800
Fraud Hotline: 1-800-680-7289
As you can see, we have also included information about their fraud hotline, just incase you need to clear up information on your report or you are a victim of either identity theft or misreported information. Note that the free annual credit report does not come with the credit score, so if you need your score in addition to the credit report, then you need to pay extra for that.
Also, if you want to reach a Equifax Customer Service and Live Person, call the toll free number provided above and follow the auto attendant. You will probably be asked personal identifier questions to establish that you are who you say you are. This includes your name, social security number, address, and some information on your credit report that only you will know. Once you have been properly identified, you will then be able to request a copy of your free credit report mailed to you.
Even if you do not think your credit report has any issues or you have no need for the credit report at the moment, you should take advantage of the free annual credit report because it is something you are entitled to under federal law. Also, it helps you have another look at your report from all three agencies, making sure everything that is being reported is correct. And if there are any issues or misreporting, it is better to address it now than to find out when you are in the market for a big purchase that requires your credit report – like an auto loan, student loan or even a mortgage. That is not the time to be worrying about mistakes on your report or trying to clean up your credit report.