The Major Credit Reference Agencies | UK & USA

Bad credit loans

The 3 Most Important Credit Bureaus

Equifax, Experian & TransUnion logos
The three global credit reference agencies

Credit reference agencies (also called credit bureau) capture the credit behaviour of all of us who use credit. You don’t need to be borrowing from banks for there to be a credit file about you. Merely starting a mobile phone contract or paying for your utilities in arrears means you are using credit.

As your creditworthiness is vital in today’s economy it pays to understand what these companies know about you. And it pays to know how to ensure that information is correct.

Learn what you need to do: The Ultimate Guide to Improve Your Credit Rating.

In the meantime, here are the contact details for key credit bureaus should you need to contact them:

Experian

United Kingdom

Address: Customer Support Centre, Experian Ltd, PO Box 9000, Nottingham, NG80 7WF

Tel: 0800 013 8888

Website: experian.co.uk

Get your £2 statutory report

United States

Address: PO Box 4500, Allen, TX 75013

Tel: 479 343 6239

Website: experian.com

Get your free credit report

Equifax

United Kingdom

Address: Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

Tel: 0800 014 2955

Website: equifax.co.uk

Get your £2 statutory report

United States

Address: PO Box 740241, Atlanta, GA 30374-0241

Tel: 866 349 5191

Website: equifax.com

Get your free credit report

TransUnion

United Kingdom

Address: Customer Relations, TransUnion Information Group, One Park Lane, Leeds, LS3 1EP

Tel: 0330 024 7574

Website: transunion.co.uk

Get your £2 statutory report

United States

Address: TransUnion, PO Box 160, Woodlyn, PA 19094

Tel: 800 813 5604

Website: transunion.com

Get your free credit report

 

Our Money & Credit Guides

If you’re uncertain which type of credit might suit you or you have a money problem then one of our guides may help you. We summarise each type of loan and their pros and cons and address issues regarding debt and credit ratings.

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