Wednesday, July 4, 2012

credit Bureaus Phone Numbers - Experian, TransUnion, and Equifax

College Credit Cards - credit Bureaus Phone Numbers - Experian, TransUnion, and Equifax

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Most of your needs with a prestige bureau can be done over the internet with their websites. However, if a question arises with your report or obvious information is not proper by the site, you will need to make a phone call. It is a good idea to be able to find the phone numbers of each bureau quickly if you need them in order to get the matter settled as fast as possible.

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Transunion 1-800-916-8800

TransUnion is one of the big three prestige bureaus that allow for one free report every year. TransUnion was a pioneer in the field, although they were not the first established. TransUnion had the first online database and lead the way for online prestige reporting. Now, most reporting is done online. TransUnion has had some troubles though, particularly with a high whole of inaccuracies in reporting. One study showed that 79% of their reports had at least some form of inaccuracy. They also were sued for selling underground information.

Equifax 1-800-685-1111

Equifax is the oldest of the three prestige bureaus. It is also the most widely used. This means that people finding to mend their score will often work with Equifax first. They have had issues in the past when it came to privacy and giving out personal information. Because of this trouble, they have worked closely with government officials to make sure the current privacy laws are relevant and are working for the people.

Experian 1-888-397-3742

Experian is the only division that does not use the Fico score to create your prestige score. Experian uses the Plus system. The Plus ideas uses the same factors as the Fico score. They weigh the factors a exiguous differently and in a way that is more buyer friendly. They may be the easiest bureau to approach when attempting to fix your score because they are trying to get an definite reflection of what is going on. Their major problem with the law came when they tried to automatically enroll people who came for a free prestige report to their paid monitoring service.

These three prestige bureaus will give you one free prestige report each year. There is a lot you can learn from these reports and everybody should take advantage of this great opportunity. For those trying desperately to raise their prestige score, it might be a good idea to try out a paid monitoring service, at least for a few months. This way, you can see exactly which of your efforts are paying off and effecting your score. Even those with good prestige would advantage from prestige monitoring in order to catch fraud. Whether way, be sure to get your free reports.

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