If you need to contact one of the credit bureaus, you should avoid doing so using their online portals. Those ports typically use "pop up" licenses that waive a user's rights under federal and state law. This means that the best way contact a credit bureau is through the good old, US Postal Service. Below is a list of the most common credit bureaus and their addresses where you can request a copy your credit report or dispute a false item on your credit report.
(If you would like a prepared letter to order your reports, we have those available here.)
Major Credit BureausThe major credit bureaus collect data from most banking insttutions, creditors, and debt collectors. Additionlly, they also publish public record information collected from courts. These reports are used by most creditors to validate the identity of credit applicants and evaluate whether to extend credit. Additionally, insurance companies in most states use this same data to determine the price of insurance products that it makes available.
Innovis
250 East Broad Street
Columbus, Ohio 43215
Trans Union
555 West Adams Street
Chicago, IL 60661
Certegy Check Services, Inc.
11601 N Roosevelt Blvd.
St Petersburg, FL 33716
CheckRite
7050 Union Park Center - #200
Midville, UT 84047
ChexSystems
7805 Hudson Road-Suite 100
Woodbury, MN 55125
Early Warning Services, LLC
16552 North 90th Street #100,
Scottsdale, AZ 85260
MicroBilt Corporation
1640 Airport Rd, Suite 115
Kennesaw, GA 30144
SageStream, LLC
Consumer Office,
P.O. Box 503793,
San Diego, CA 92150
TeleCheck Services, Inc.
5565 Glenridge Connector, N.E.
Atlanta, GA 30342
ADP Screening and Selection Services
301 Remington Street
Fort Collins, CO 80524
BackgroundChecks.Com
Consumer Relations Department;
P.O. Box 353;
Chapin, South Carolina 29036
Checkr
One Montgomery Street
Suite 2000
San Francisco, CA 94104
ChoicePoint
Resident Data Consumer Disclosure Center
12770 Coit Rd., Ste. 1000
Dallas, TX 75251‑1348
Credential Check Corporation
575 East Big Beaver Road, Suite 300
Troy, MI 48083‑1300 USA
Crimcheck.com
17295 Foltz Industrial Parkway, Suite B
Strongsville, OH 44149
First Advantage
P.O. Box 105292
Atlanta, GA 30348‑5292
HireRight
Attn: Consumers Department
14002 E. 21st Street, Suite 1200
Tulsa, OK 74134
iiX
1716 Briarcrest Drive, Suite 200
Bryan, TX 77802
IntelliCorp Records, Inc.
3000 Auburn Drive, Suite 410
Beachwood, OH 44122
Justifacts
5250 Logan Ferry Rd,
Murrysville, PA 15668
LexisNexis
Consumer Inquiry Department
P.O. Box 105292
Atlanta, GA 30348-5292
Sterling Information Systems
4511 Rockside Road
Independence OH 44131
TALX
11432 Lackland Avenue
St. Louis, MO 63146
TLOxp
4530 Conference Way South
Boca Raton, FL 33431
CoreLogic/Credco
40 Pacifica, Suite 900
Irvine, CA 92618
Screening Reports
220 Gerry Dr.
Wood Dale, IL 60191
Clarity Services, Inc.
15550 Lightwave Dr., Ste. 350
Clearwater, FL 33760
Data X ltd
325 E Warm Springs Rd Suite 202
Las Vegas, NV 89119
Factor Trust
Attention: Consumer Inquiries
P.O. Box 3653
Alpharetta, GA 30023
MIB, Inc.
Medical Insurance Bureau
P.O. Box 105
Essex Station
Boston, MA 02112
You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:
If you would like help with one of these problems, call (888) 400-CREDIT | (888) 400-2733 or contact us through this site.
Credit Restoration and CompensationIf you have completed the dispute process and you still can't get the credit bureaus to correct your report, the FCRA allows you to sue agencies. In most cases we are able to remove the false information, correct the report and get compensation for any credit denials, job loss, or emotional harm caused by the other side's violation of the law.
Your Fees Paid for YouWe only charge a fee if we are able to recover for you, and The Fair Credit Reporting Act requires the other side to pay your attorney's fees if you win. You pay nothing up front and we take our fee from the other side.
Help with Your DisputeIf you would like help with your credit report dispute, you can call our office at (888) 400-CREDIT or simply send us an email through this site. If you prefer, you can visit our resource page for credit report request letters and sample disputes
Follow Up and MonitoringAfter your case is done, we will help you to regularly check and monitor your background checks with free annual reviews of your background checks and credit reports to insure that you stay free of false conviction information.
Work with an Experienced Credit Report AttorneyIf you have been the subject of an inaccurate credit report, you may have be able to seek a correction and compensation for any harm. Our firm can help. For more than 25 years, the attorneys of Lyngklip & Associates have represented victims of bogus credit reports credit reports and been a resource for Michigan consumers who need the help of an experienced lawyer.
To learn more or to schedule a free initial consultation with a credit report lawyer, contact our law firm today or call (888) 400-CREDIT | (888) 400-2733 or contact us through this site. In Michigan, you can reach our office at (248) 208-8864.