Credit Bureaus
In the United States consolidation has occurred resulting in the companies serving the credit reporting needs of the entire country.

You should check your credit bureau report every few years to make sure it is accurate or if you believe someone may have stolen your identity.

California law requires the credit bureaus to give you a copy of your credit report for free if you were denied credit in the last thirty days based upon that companies report. If you weren’t denied credit then the companies are allowed to charge a $8.00 fee for the copy of your report.

When requesting your report be sure to include your full name, address, social security number and date of birth with your request. If applicable enclose a copy of your denial letter.

Equifax (formerly CBI)
P.O. Box 105518
Atlanta, GA 30348
877.463.5721
http://www.equifax.com

Experian (formerly TRW)
P.O. Box 9595
Allen, TX 75013
800.583.4080
http://www.experian.com/consumer/index.html

Trans Union
1561 E. Orangethorpe Ave
Fullerton, CA 92831
800.916.8800
http://www.transunion.com/Personal/PersonalSolutions.jsp
Note: Generally, the credit bureaus will not speak with you over the phone with you until after you have received a copy of your credit report this is part of their internal security measures.