Credit Bureau Phone Numbers

Credit Bureaus Phone Number graphic

Why would you need credit bureau phone numbers? Your credit score is a critical component of your financial wellbeing. Your credit score is computed from the information in one of your credit reports. Those credit reports are maintained by the major credit bureaus.

If there is an issue with your credit report, you’ll have to fight your way through the standard red tape of major corporations with the added complication that you aren’t really the credit bureau’s customer, so they really aren’t very interested in hearing from you in the first place. Finding a useful credit bureau phone number is, therefore, sometimes tricky.

Before Calling a Credit Bureau

Before you grab your phone and dial hoping to get credit bureau phone numbers live person access, consider whether or not calling the credit bureau will actually be useful to you. For example, if there is some incorrect information on your credit report, it may be better to dispute the wrong information in writing. Even if you call directly to the CEO, disputes still have to be made according to the credit bureau’s dispute procedure, so calling the wrong number is a waste of time.

Credit Bureau Phone Numbers 1

Also, if you wish to enter your own customer statement into your credit report, that can be done electronically as well. If not, you will need some or all of the 3 credit bureaus phone numbers.

However, there may be times when you need to directly call the credit bureaus, in that case, try to find the right phone number for the function you are trying to achieve. All three credit bureaus phone numbers will dump you into automated phone trees while trying to direct you back to their websites. After all, if everyone who has trouble with their credit report, or something false on their credit report they wanted to get erased or fixed, all credit bureau phone numbers would be ringing so often they would have to hire thousands of people just to answer the phones.

If you want to get your credit score, you may want to check into one of the free online credit score services such as Credit Karma, Quizzle or Credit Sesame.

Phone Numbers for Credit Bureaus

These phone numbers may change in the future as the 3 major credit bureaus phone numbers are updated for capacity and ease of calling.

Experian Phone Numbers

  • Order Credit Report: 1-888-397-3742
  • Dispute Information on Credit Report: Call specific number on your credit report
  • Report Fraud or Identity Theft: 1-888-397-3742
  • Credit Freeze: State Dependent

Transunion Phone Numbers

  • Free Credit Report if Denied Credit Call: 1-800-888-4213
  • Order Credit Report By Phone: 1-800-888-4213
  • Dispute Items on Credit Report: 1-800-916-8800
  • Place Fraud Alert on Credit Report: 1-800-680-7289
  • Place Security Freeze on Credit Report: 1-888-909-8872
  • Main Number: 1-800-916-8800
  • Transunion Credit Report

Equifax Phone Numbers

  • Report Fraud and Place Fraud Alert: 1-888-766-0008
  • Place Security Freeze on Credit Report: 1-800-349-9960
  • Credit Report Inquires: 1-800-685-111
  • Order Credit Report and Credit Score: 1-866-493-9788
  • Exquifax Credit Report

All three credit reporting agencies have a unified system to allow customers to opt out of marketing offers and junk mail based upon your credit report. In other words, you can tell the credit bureaus to stop selling your credit report information to credit card companies and lenders, although you won’t use any of the credit reporting agencies telephone numbers for that. The phone number to opt-out of marketing from all three credit reporting companies is: 1-888-567-8688 (1-888-5-OPT-OUT)

Don’t forget that you can also get one free credit report from each credit bureau every year at


Brian is a former Certified Financial Planner and money expert with over a decade of experience working, studying, and publishing in personal finance and investing. All articles on Finance Gourmet are for informational purposes and are not recommendations to buy or sell securities.

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