Experian's address is available on its website under the Help heading. Transunion's address is available on its website under Customer Support. Equifax's address is available at Equifax.com under Customer Service. The three major credit bureaus are Equifax, Transunion and Experian, according to USA.gov.
Credit bureaus are a type of consumer reporting agency. Credit bureaus manage consumer payment histories, issuing a credit score based on this information. The resulting score gives lenders a guide on whether to issue credit, according to USA.gov.
Consumers can access the information in their credit files for free from any or all of the three major credit bureaus. However, this credit file dos not contain a credit score, also known as a FICO score. FICO scores are available a fee, reports USA.gov.
Negative financial information in a consumer's credit report can cause an individual to be denied financing, housing or a job. Most negative information stays on a credit report for seven years, although a bankruptcy record stays on the report for 10 years. Consumers can repair their credit scores by repaying debts. Generally, the services of a credit repair company are unnecessary, according to USA.gov. Services that encourage customers with bad credit to use false information to obtain credit are illegal.