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Ask Dr. Debt

Welcome to Ask Doctor Debt, where you can quickly find straightforward answers to your credit and debt questions. We’re here to provide you resources and information to help you work through your debt questions.
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Q: How do I verify/dispute entries on my credit report?

A: Please contact three credit reporting bureaus:

CONSUMER REPORTING BUREAUS

ALL REQUESTS HAVE TO BE SENT BY CERTIFIED MAIL. CREDIT BUREAUS CANNOT DISCLOSE INFORMATION OVER THE PHONE.

TRANSUNION

P.O. BOX 1000

CHESTER, PA 19022

1-800-888-4213 (ORDERING)

1-800-916-8800 (DISPUTES)

FAX # 1-610-546-4758

WWW.TRANSUNION.COM

EXPERIAN

P.O. BOX 2104

ALLEN, TX 75013

WWW.EXPERIAN.COM

EQUIFAX

P.O. BOX 105851

ATLANTA , GA 30348

1-800-685-1111 (ORDERING)

1-800-203-7843 (DISPUTES)

FAX # 1-888-826-0573

WWW.EQUIFAX.COM


Q: How do I obtain free credit report?

A: Please use link below:

FREE ANNUAL CREDIT REPORT

1-877-322-8228

WWW.ANNUALCREDITREPORT.COM

INFORMATION NEEDED TO REQUEST A CREDIT REPORT IN WRITING: 1ST NAME, MIDDLE INITIAL, LAST NAME, GENERATION I.E.; JR, SR, 1ST, 2ND, 3RD; CURRENT ADDRESS, PREVIOUS ADDRESS FOR THE PAST TWO YEARS, 2 PROOFS OF RESIDENCE, I.E.: DRIVERS LICENSE, UTILITY BILLS, CURRENT EMPLOYMENT INFORMATION AND TELEPHONE