While we are providing you with the websites for the Credit Reporting Agencies, we recommend that you not use them to access your file. The information that is available there may not be admissible in court, and may not be retrievable. While we have been unable to confirm, we understand that some websites may require that you submit any claims that you have to binding mandatory arbitration. This means that you do not get your day in court, and do not get to have your case heard by a jury of your peers.
We do recommend that you send all your disputes to the credit agencies by US Mail, certified, return receipt requested. This will enable you to ensure that you can prove that you sent the dispute, and that they received it. The credit file that they send you is, under most circumstances, admissible. It is, however hard to read, and we would be glad to assist you in reading the documents that they send you. Just contact us for a free consultation.
Equifax Information Services
1550 Peachtree Rd. NW
Atlanta, GA 30309-2468
800-685-1111
404-885-8292
www.equifax.com
TransUnion, LLC
P.O. Box 1000 or 2000
Chester, PA 19016-2000
or
555 W. Adams 1st Floor
Chicago, IL 60661-3631
800-916-8800
312-408-1077
fax:714-447-6032
www.TransUnion.com
Experian Information Solutions
701 Experian Pkwy
Allen, TX 75013-3715
800-879-8848
972-390-3569
fax: 972-390-1680
fax: 972-390-3624
www.experian.com
Certegy Check Services
P.O. Box 908
Grand Junction, CO 81502
800-770-3792
800-262-7771
www.certegy.com
Medical Information Bureau (MIB)
50 Braintree Hill Park, Suite 400
Westwood, MA 02184-8734
www.mib.com
Telecheck Services
1600 Terrell Mill Rd SE
Marietta, GA 30067
1-800-366-2425 Declined Check information
1-800-366-1048 check collection
1-800-TELECHECK annual disclosure phone line
1-800-710-9898 fraud/forgery/ID Theft
Chex Systems, Inc.
P.O. Box 583399
Minneapolis, MN 55458
602.659.2197- Fax
It is very important to communicate with them in writing.
We recommend sending the dispute by certified mail return receipt requested. This proves that you sent it, and that they received it. We also highly recommend keeping a copy of what you sent.