Credit bureaus in the USA collect financial information from banks, lenders, utilities, collection agencies, courts, etc. with which they have a relationship. The financial information consists of basic account information such as dates accounts were opened, payment history, high credit limits, etc. The credit bureaus use this information to put together credit reports and determine credit scores which are widely used to determine consumer eligibility to receive credit in the form of loans, leases, credit cards, mortgages, etc.
Consumers should review their credit reports at least once per year. Inaccurate information can be detrimental to a consumer’s financial life. Consumers are entitled to one free credit report per year from each of the 3 main credit bureaus.
Equifax
P.O. Box 740256
Atlanta, GA 30374
(800)-685-1111
Web site: www.equifax.com
Experian
PO Box 2002
Allen, TX 75013
(888) 397-3742
Web site: www.experian.com
TransUnion LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
Web site: www.transunion.com
The 3 bureaus sponsor a web site www.annualcreditreport.com where you can get your annual credit report for free.
If your credit score is not as high as you would like, or has some negative items which you believe should not be there, please contact Miami Credit Repair for information on how we can help repair your credit.
