Credit Reporting Agencies 

Three agencies accumulate data on which to base your credit history. Their names, addresses and phone numbers are shown below. It is normally very difficult to speak to a live person at these agencies; instead you are directed through a voice-mail maze which will give you instructions on how to get a copy of your report, what it may cost, or how to deal with a problem you may have. In any case, it is better to communicate in writing. Use certified mail so you will get a receipt showing that the agency received your letter and when they received it.

EQUIFAX Credit Information Services
P.O. Box 740241
Atlanta GA 30374-0241
(800) 525-6285

EXPERIAN (formerly TRW)
P.O. Box 9532
Allen, TX 75013
(800) 397-3742

Fraud Victim Assitance Division
P.O. Box 6790
Fullerton, CA 92834-6790 
(800) 680-7289