How do I reach a 'real person'at the major credit bureaus (Equifax, Esperian, Trans Union?)?
109997
for Equifax, 866-640-2273 Choose option 3, then press 0 and wait patiently for human.  found a cheat sheet of ways to get to live humans.  Transunion just wait for the second prompt.  Experian didn't have a cheat on the sheet
599962
It's a scam they are required to give it to you for free so if not by them try someone else and there are numbers you can call them \nEquifax  \nP.O. Box 740241\nAtlanta, GA 30374-0241\n1-800-997-2493\n\nTrans Union \nP.O. Box 1000\nChester, PA 19022\n800-916-8800 \n\nExperian  \nP.O. Box 2104\nAllen, TX 75013-2104\n1-888-397-3742
958629
Go and ask your bank. They have lists of aliases and may be able to tell you the companies real name.
682412
Here are the addresses, phone numbers, and websites of the big three credit bureaus, as well as the address of the Federal Trade Commission. \n\nEquifax (formerly CBI/Equifax)\nP.O. Box 740241\nAtlanta, GA 30374-0241\n(800) 685-1111\n(800) 997-2493 for residents of Colorado, Georgia, Maryland, Massachusetts, New Jersey, or Vermont\nwww.equifax.com/\n\n \nExperian (formerly TRW Information Systems, Inc.)\nP.O. Box 2104\nAllen, TX 75013-2104\n(888) 397-3742\n(888) EXPERIAN\nwww.experian.com \n\nTrans Union Corporation Consumer Disclosure Center\nP.O. Box 2000\nChester, PA 19022\n(800) 888-4213 (to order a copy of your credit report)\n\n(800) 916-8800 (to ask a question about your credit report)\n\nwww.tuc.com \n\nFederal Trade Commission, Main Office\n6th Street & Pennsylvania Avenue\nNW Washington, DC 20580\nwww.ftc.gov
626432
yes you can, equifax is the easiest...just tell then you didnt authorized them and they will delete them day 1. transUnion will give you a hard time saying they dont dispute inquiries you will have to write to the creditors yourself. Experian on the other hand is a 50/50 chance. They deleted 2 out of my 5 so far day 1. Myself I try to apply for credit online so I dont have to sign anything for proof that I applied to a card, and when they dont approve me I dispute it...
66625
Call the credit companies - sush as Equifax and put a freeze on your credit in addition to calling the credit card company. Depending on your credit card most of the time they do not hold you liable for fraudulent charges.
533997
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com
1131886
ok when you say valid credit card numbers do you mean numbers that you can use to talk to the credit card companies or are you wanting to steal someone's credit card number?? If it is the first one you can try whitepages.com and do a search for the credit card company and the bank that is financing the credit card. If its the later I hope really dont want us to tell you how to do that.
237362
just ring 1234 or 1223 they can tell you an address of anything you want. a phone number or can put you through to them right away.
1170106
Probably a consumer attorney.  You might not need one, however.  Go to www.ftc.gov and look up the link to "consumers" and then look up info on identity theft and how to repair it.  You should also order your credit report (for free) from the 3 major agencies and the FTC site will show you how to do that.  Your credit report will show if someone has obtained credit in your name because you will see opened accounts there that you didn't know about.  Hopefully, there is nothing serious.
1106518
If you have your credit report, you should be able to call them and let them know what is incorrect, false, or needs updating.  They will file a claim and either investigate it or have you send in information that they will be able to use to update your credit report.  Also, there are credit reports/scores available from TransUnion and Experion.  All three of them use different reporting methods and may all show different information, and have different scores.  You can request one free copy of all three credit reports once a year on the internet, or by call the agencies themselves if you suspect that they are incorrect.  They will often times send you a copy for free so you can verify the accuracy.  I have dealt with Equifax extensively after having some of my personal information stolen and used by someone else.  They are generally helpful, fast, and easy to deal with.  Any other questions let me know.
179574
Contact the credit bureau and request that they change the information to reflect truth.
215063
If you will still have those two negative items on your credit report, even if they are paid in full, contact all 3 credit bureaus immediately about those 2 negative accounts.  Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.  \n\nMake sure to include information on the accounts such as the account numbers and the name of the company.  The three credit bureaus will have to investigate and they will find that you did in fact pay the accounts and they will change that on your credit report to showing that they are now paid in full.\n\nWhatever you do, do NOT bother contacting the accounts that you paid in full and asking them to report to the credit bureaus that you paid them.  They will just jerk you around and say "oh well, it says in our records that we did report it" when in fact they don't.  They got your money and they don't give a crap about the rest to take the time to report to the credit bureaus that you paid them.  So you will have to contact the credit bureaus yourself and let them know that it is incorrect.\n\nIf you don't know, the three credit bureaus are Equifax, TransUnion, and Experian.  The phone number to TransUnion is 800-916-8800, Experian is 888-397-3742, and Equifax is 800-270-3435.  It probably won't be enough to call them to dispute the information, but you can call and ask for their mailing address.  Then you will need to type up a letter to each credit bureau to tell them you are disputing the errors on your credit report.\n\nTo save you some time getting screwed around by the credit bureaus, I recommend you include with your dispute letter a copy of your driver's license, a copy of your social security card, and proof of your current residency such as a copy of your current utility bills with your name on it.\n\nSorry if it sounded like I ever repeated myself, but I am just trying to save you some hastle in the long run.  Because if you don't include all of those things along with the dispute letter right away, the credit bureaus will just screw you around and keep sending you letters requesting more information and it will just take a longer process and you keep having to repeat the information you already sent to them.\n\nIf you haven't guessed, I have gone through this already.  lol  But the upside of this is, the sooner you get this done, the better, and if you have any credit cards or other accounts, just keep them up and try to keep as low of a balance as you can and keep paying.  Your credit score will improve sometimes within 6 months or so.
587696
You can sign up with Equifax and Experian and get a full credit report
716573
Call the credit agency (equifax, experian, transunion) and tell them whats going on and have them put an alert on your ssn for identity theft and fraud. \n\nEquifax - 18006851111\nExperian - 18883973742\nTransunion - 18008884213
1693
You must have a copy of your credit report from the company that pulled it - i.e., Equifax, FICO or Experian in order to file a dispute.  I personally go through Equifax when I have problems such as these.  On the credit report, they have a number (they don't publish on their website) for you to call if you would like to dispute something you're seeing.  You can also make a dispute online on their website at:\nhttps://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute\n\nYou may be able to get the Equifax folks to transfer you (if you don't have the credit report in hand) to the appropriate number, but this is their Fraud On My Credit Report number: 1-888-766-0008.\n\nI hope this helps!  \n\nGood luck!
289515
I think you may mean "Equifax." They're one of the credit reporting companies. Their site is www.equifax.com