Mailing Addresses For TransUnion, Experian, Equifax

Mailing Addresses For TransUnion, Experian, Equifax

Having trouble finding the mailing address for any of the three major credit bureaus, TransUnion, Experian, Equifax? Here they are:

5 No BS Ways To Get A Credit Score For Free

5 No BS Ways To Get A Credit Score For Free

Here are 5 ways to get your credit score for free. Note, all of them are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores. Only the FICO score is used by lenders to determine your credit worthiness. However, you can at least use these credit bureau scores to get a general sense of how good your credit is. [More]

Leukemia Survivor Who Had Identity Stolen By Lab Tech Tells His Story

Leukemia Survivor Who Had Identity Stolen By Lab Tech Tells His Story

We wrote about Eric Drew a few weeks ago—his personal information was stolen by a shady lab technician while he was undergoing treatment in 2004.

This Is Why You Don't Use FreeCreditReport.com

This Is Why You Don't Use FreeCreditReport.com

Jesus from South Texas signed up for credit monitoring at the notoriously scammy FreeCreditReport.com. He never received the confirmation email and wasn’t able to access his account, so he never used it, but forgot to call to cancel it. After three months he realized he was being charged $15 a month as per their terms of service, so he went to their site to retrieve his login credentials and was told the account didn’t exist. After that, it took him 4 calls to get the account canceled, and they would only refund him for one month of service. One of their CSRs tried to scare Jesus into keeping the account open because there had been some “suspicious activity” in his credit history that he’d be wise to monitor. Then they told him there is no phone number or email for their “customer satisfaction department”—it can only be reached through snail mail.

FreeCreditReport.com (And Their "Funny" Commercials) Sucks

Reach Experian Executive Customer Service

Reach Experian Executive Customer Service

(714) 830-7000 is answered by a live human being

http://consumerist.com/2007/10/15/how-filing-a-fraud-alert/

How filing a fraud alert with each of the three major credit bureaus works, as told by a blogger who recently had to go through the process. [No Credit Needed]

Experian, Equifax, and TransUnion To Offer Credit Freezes

Experian, Equifax, and TransUnion To Offer Credit Freezes

All three credit reporting agencies recently announced plans to let consumers freeze their credit files. Credit freezes provide security at the cost of convenience: access to credit reports and scores is prevented without the consumer’s express authorization, making it difficult to open new accounts or lines of credit. Freezes are considered one of the best, albeit drastic, ways to guard against identity theft.

TransUnion Will Let You Freeze Your Credit Report

TransUnion Will Let You Freeze Your Credit Report

Beginning October 15th, credit reporting company TransUnion will let consumers freeze their credit reports, which means imposters will not be able to use your credit to do things like open new phone accounts or sign up for credit cards. While this is great news, the other two major credit reporters, Experian and Equifax, are so far not offering a similar feature, although they say they’re considering it.

Credit Reports: How Long Different Items Stay

Credit Reports: How Long Different Items Stay

Ask Max has a detailed list of how long different types of credit items stay on your report.

Credit Report Nightmare: Damned By Apostrophe, Saved By The Letter M

Credit Report Nightmare: Damned By Apostrophe, Saved By The Letter M

This is the story of a girl named Corey O’Malley, and a boy named Corey O’Malley, who had their credit reports accidentally merged.

Are Minors Responsible For Their Credit Card Debts?

Are Minors Responsible For Their Credit Card Debts?

We’ve had a couple of different people ask recently if one is responsible for credit card debts made as a minor. See, people under 18 aren’t supposed to get credit cards (unless an adult cosigns). Now, some of these people lied about their age to get the cards. That’s fraud. Fraud is bad. Don’t do it.

Experian Announces Service That Notifies Collection Agencies Of Your Ability To Pay

Experian Announces Service That Notifies Collection Agencies Of Your Ability To Pay

The introduction of additional trigger criteria and attributes within Collection Triggers increases the ability for companies to act quickly when new information is available. Subscribers to Collection Triggers are notified within 24 hours when the financial status of a consumer within their collection portfolio has improved.

“Collection Triggers increases revenue by allowing companies to be first to the door of consumers who have improved their ability to pay,” said Zaydoon H. Munir, senior vice president, Experian’s Consumer Information Solutions. My, what a lovely industry. —MEGHANN MARCO

Get Another Free Credit Report, Even If You've Used Up Your Free One

There is another way to get a free credit report if you’ve already used up your free one per year through annualcreditreport.com.

Delete Negative Items From Your Credit Report

Delete Negative Items From Your Credit Report

Recently we checked out our credit report and were surprised to see a $500 unpaid charge. It was from a video store we frequented in college. (We could’ve sworn we returned Wicker Man….) The video store had never sent us any notice and the debt was sold to a collection agency, who had also never contacted us. Odd.

AOL Sells Ads To Website Under Attorney General Investigation

AOL Sells Ads To Website Under Attorney General Investigation

AOL apparently missed our post on how the Florida Attorney General is investigating FreeCreditReport.com.

Florida AG Investigates FreeCreditReport.com

Florida AG Investigates FreeCreditReport.com

The Florida Attorney General’s office has opened an investigation into FreeCreditReport.com for, “failure to adequately disclose negative option enrollment … deceptive advertising, misleading domain name, and failure to honor cancellations.”

Free Credit Report Nightmare Yields New ‘Screw Off!’ Champ!

Free Credit Report Nightmare Yields New ‘Screw Off!’ Champ!

We think we have a new favorite “go screw” line from a company: We understand that the privacy and security of your information is important to you; therefore we cannot provide a specific reason as to why we cannot fulfill your request. That just punches a steaming hand, Fist of the North Star style, right through the sternum of our old fave, We appreciate your concerns.