Which of the Three Credit Reporting Agencies is the Best?

You may know that there are three credit reporting agencies which may or may not have the same information reported for individual consumers. One credit reporting agency may have information that another does not. Which one is the best one to utilize is going to be based on what you are trying to accomplish. Once you order all three reports you will notice than you may be able to read and understand one better than another based on how it's formatted.

You may also notice than one credit reporting agency has more of your credit information than another. If you have ever had to call perhaps one bureau responded faster and had better customer service. It will be up to you to decide. Order all three credit reports and compare them to see which one you feel most comfortable with. Take a look and notice which credit reporting agency has the most information. If you ever need to contact the major credit agencies here is their contact information.

Experian
P.O. Box 9556
Allen, Texas 75013
1-888-397-3742
Business: 888-211-0728

Equifax
P.O. Box 740256
Atlanta, Georgia 30374
Business and personal line 888-202-4025
1-800-685-1111 or 800-797-6801
Dispute fax # 888-826-0573

TransUnion
P.O. Box 2000
Chester, Pa. 19022-2000
Office in PA 1-800-888-4213
Consumer relations 1-800-916-8800

If you need to get a copy of your credit reports for free you are allowed one copy per year from each agency. You can get a free copy from all three agencies, by going to www.annualcreditreport.com. If you want your actual credit score that has to be purchased. The annual credit report service allows you to contact them with suggestions or complaints about the service. You can contact them at the following address:

Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283

You may want to know that annual credit reports is the only agency authorized by the three credit reporting agencies to provide consumers with a free credit report. There are some companies that are trying to duplicate the service but they charge a fee and you have to purchase their product or service. Stay alert and be on the look out for those companies. Annual credit reports provide you with a safe and secure method to order your reports. They make it really convenient for you. You have three methods of ordering your reports. This process can take place by mail, phone, or online. If you choose the online method you can actually view your reports immediately.

Source: www.annualcreditreport.com