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List of Credit Bureaus to Request

Conventional Credit Reporting Agencies and Where to Order Your Reports

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 Bureaus

The 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.

  • Equifax
    1550 Peachtree Street NW
    Atlanta, GA 30309
  • Experian
    701 Experian Parkway
    Allen, TX 75013
  • Innovis
    250 East Broad Street
    Columbus, Ohio 43215
  • Trans Union
    555 West Adams Street
    Chicago, IL 60661

Banking and Checking

  • 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

Background Checks

  • 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
    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

Identity Verification

  • ACXIOM Risk Mitigation
    12303 Airport Way, Suite 300
    Broomfield, CO 80021

Rental and Tenant Screening

  • CoreLogic/Credco
    40 Pacifica, Suite 900
    Irvine, CA 92618
  • Screening Reports
    220 Gerry Dr.
    Wood Dale, IL 60191

Payday and Internet Lending

  • 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

Insurance Databases

  • MIB, Inc.
    Medical Insurance Bureau
    P.O. Box 105
    Essex Station
    Boston, MA 02112

What Additional Resources Are Available to Help?

Common Cases

You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:

  • Fraudulent identity theft accounts on your credit credit report.
  • Someone else’s Information on your credit report.
  • Paid accounts still showing a balance due.
  • Reporting your accounts in good standing as charged off or in collections.
  • Discharged debts still reporting as owed.
  • Paid tax lies showing as still owed.
  • Derogatory accounts more than 7 years old still on your report.
  • Previously deleted accounts that have been reinserted on your report.
  • Duplicate reporting of the same account.

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 Compensation

If 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 You

We 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 Dispute

If 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 Monitoring

After 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 Attorney

If 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.

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