The phone number for Equifax is 1-800-685-1111, the number for TransUnion is 1-800-888-4213 and the number for Experian is 1-888-397-3742. All three credit bureau numbers are toll-free calls.
Financial advisers and consumer advocates suggest reviewing a credit report annually because the information it contains affects the ability to get a loan. Keeping an eye on credit also helps protect against identity theft. Inaccurate or negative information on a credit report can prevent an individual from acquiring a loan, insurance or employment, among other consequences.
The Fair Credit Reporting Act requires each of the three nationwide credit bureaus to provide a free copy of an individual’s credit report, at that individual’s request, once every 12 months.