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

• 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

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?

• Want to see a list of the credit bureaus who keep data on you? Check out our Credit Bureau List.
• If you need help deciding which reports you need, you can read our article on Credit Reports to Order.
• Need help getting your credit report, see our article on How to Get Your Credit Report.

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.