Credit Reporting Agencies

Federal law regulates private companies that collect and distribute credit information on you. For information on your rights and the credit reporting agency’s obligations under the Fair Credit Reporting Act, go to the Federal Trade Commission's website on FCRA here. You can contact the three major American credit reporting agencies directly at:

Equifax 800.685.1111

TransUnion 800.916.8800

Experian 888.397.3742

Beginning in June 2005, you can obtain copies of your own credit history through a national clearinghouse website,, or by calling 877.322.8228.