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Credit Bureaus
There are three major credit bureaus, all who use the FICO model to calculate credit scores. Each bureau compiles their own credit reports, so it is important to check your report from each of them to ensure against inaccuracies and fraud.

Equifax
http://www.equifax.com/
800.685.11111 (general)
800.525.6285 (fraud)
P.O. Box 740241
Atlanta, GA 30374

Experian
http://www.experian.com/
888.397.3742 (general and fraud)
P.O. box 2002
Allen, TX 75013

TransUnion
http://www.transunion.com/index.jsp
800.888.4213 (general)
800.680.7289 (fraud)
P.O. Box 2000
Chester, PA 19022


By federal law, each credit bureau is required to provide you with one free copy of your credit report per year upon request. Each bureau will also provide you with your credit score for a small fee.