How to Contact a Real Person at a Credit Bureau

How to Talk to a Credit Bureau

The information that credit bureaus collect affects just about every aspect of your life. Whether you’re approved for a credit card, get a good mortgage rate, can rent an apartment or even get a job – they all can hinge to varying degrees on your credit score. So when a credit bureau has something wrong, it’s imperative that you tell them. The three major bureaus – Equifax, Experian and TransUnion – offer online services and prefer that you use their online forms instead of calling. But sometimes you need to talk to a live person. Here’s how to make contact.

Why Would I Need to Contact a Credit Bureau?

The three big credit bureaus or credit reporting agencies – Equifax, Experian and TransUnion – create credit reports that reflect consumers’ creditworthiness. The reporting agencies are for-profit businesses and sell their reports to other businesses, such as insurers, credit card companies, banks and employers.

These businesses in turn factor in these credit reports when making decisions such as whether to offer you a credit card and at what interest rate. So it’s  important to monitor your credit reports and make sure the information on them is correct. If you ever find a mistake, you should contact the credit bureau to correct the information. You may also need to contact to a credit bureau if you think that you’re a victim of credit fraud. That could mean placing a fraud alert on your account or freezing your credit so that no one can open a new line of credit in your name.

Talk to a Real Person at Equifax

talk to a credit bureau

Equifax has multiple phone numbers that you can use to speak with a real person. The number that you use will depend on what you need help with. We recommend trying to contact the correct number. If you call the wrong number, they will simply say they cannot help you and then direct you to call another number. You can find all of Equifax’s contact information on its website, Equifax.com.

If you want to contact Equifax with a general inquiry, you can reach the company via phone at the number 800-525-6285. Just make sure to call between the hours of 9 a.m. and 5 p.m. ET, Monday through Friday.

Equifax has also been in the news recently because it suffered a large data breach in 2017. If you have questions about whether your information was compromised in the breach, Equifax has a dedicated phone line at 888-548-7878. Again, be sure to call between 9 a.m. and 5 p.m. ET, Monday through Friday.

The table below has some common reasons why you might want to call Equifax and the number that you should call in order to speak with a representative.

How to Speak With a Real Person at Equifax Reason for Calling Phone Number General inquiries 800-525-6285 Canceling a product or service (Equifax customers) 866-640-2273 Request a copy of your credit report* 866-349-5191 Place a fraud alert on your credit card 800-525-6285 Dispute information in your credit report 866-349-5191 Place, lift or remove a freeze on your credit 888-298-0045 Dedicated phone line for information on the 2017 data breach 888-548-7878

*Don’t forget: You can get a free copy of your credit report three times per year.

Talk to a Real Person at Experian

Experian makes it relatively hard to talk to a real person on the phone. The company encourages people to use its website for most things. However, there are three main phone numbers that you should know if you want to talk to someone at Experian.

Call 888-397-3742 if you want to order a credit report or if you have any questions related to fraud and identity theft. The number 888-397-3742-6 (1-888-EXPERIAN) will also work. You can place an immediate fraud/security alert on your credit with this number.

If you have a question about something on a recent credit report (such as incorrect information), you will need to have a copy of the credit report. On the report you will find a 10-digit number. This number is different for each credit report and you will need it for the representative to help with any issues related to your specific report. Once you have that number ready, you can call 714-830-7000 with questions about your report.

If you need help with anything related to your membership account with Experian, you should call the company’s customer service at 479-343-6239. You will need to call while the Experian office is open in order to speak with someone. The hours are 9 a.m. to 11 p.m. ET, Monday to Friday, and 11 a.m. to 8 p.m. ET, Saturday and Sunday.

How to Speak With a Real Person at Experian Reason for Calling Phone Number Buying a credit report,

Placing a fraud alert on your credit file 888-397-3742 or

888-397-37426 (888-EXPERIAN) Question about a recent credit report 714-830-7000 Question about Experian membership account 479-343-6239 Talk to a Real Person at TransUnion

TransUnion has one general support number that you can use to talk to a human for help with your credit report (such as to dispute information, freeze your account, or report fraud), your credit score or any general questions. That number is 833-395-693800.

Note that a human representative is only available Monday through Friday 8 a.m. to 11 p.m. ET,  Monday through Friday.

You will hear an automated service when you first call this number. Press 4 in order to speak with a representative. Then you will need to press 1 if you have a TransUnion File Number or 2 if you do not have a number.

A TransUnion File Number is a unique identification number that you can find in the top right of your TransUnion credit report. You do not need a number to speak with a representative, but you will need it to do anything related specifically to your credit report. For example, the file number is necessary for disputing incorrect information.

The Takeaway

How to Talk to a Credit Bureau

If you ever need to buy a credit report or address an issue on your report, you will need to contact a credit bureau. Each of the three national credit bureaus, Equifax, Experian and TransUnion, has a website where you can do most things you may need to do. In fact, they prefer that you use online forms instead of calling. But sometimes it’s comforting to speak with a real person who can answer your specific questions.

The first step is figure out what phone number you need. The credit bureaus all have multiple numbers. Not all of the numbers will allow you to solve your specific issue. Of course once you have the right number, you will also need some patience. Hold times can be long, particularly during the coronavirus slow-down. The credit bureaus have also experienced higher phone traffic since the Equifax breach in 2017.

Tips for Using a Credit Card Responsibly

  • Correcting inaccuracies on your credit report by contacting a credit bureau can help to improve your credit score. Another potential way to improve your score is to get another credit card. It will increase your available credit and improve your credit utilization ratio. You can find the best card for you with our credit card tool. Of course, you should only get another card if you can responsibly handle the credit you already have.
  • One good piece of credit card advice is always to avoid as many fees as possible. Fees can make it harder for you to keep your spending down. Higher bills, in turn, could be harder for you to pay back in full. Here are 15 credit card fees that you should avoid.
  • It can be tempting to keep swiping your credit card, but make a budget and stick to it. A financial advisor can help you create a road map to make sure you’re hitting your goals and not getting into debt. SmartAsset’s free matching tool can help you find a person to work with. It will connect you with up to three advisors in your area.

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What Is Cash Back?

What Is Cash Back?

Cash back is a rewards benefit that many credit cards offer to cardholders. By taking advantage of it, you’ll receive back a prespecified percentage of certain purchases you make. Many credit card companies will provide higher cash back rates on certain types of purchases, such as airfare, gas, food and more. Cash back is just one way that credit cards offer rewards, as mileage and points are some alternatives.

Before you spend too much money with your credit cards, make sure you have a financial plan in place. Speak with a financial advisor today.

What Is Cash Back?

The most commonly recognized style of cash back is what you have likely seen advertised as cash back credit cards. This specifically refers to earning a certain percentage of your credit card purchases back as cash rewards. However, cash back rates vary widely, as do the categories that they apply to.

You usually won’t see credit card cash back rates higher than 5%, while 1% is the typically minimum you will earn. Cash back categorization is significantly more complex though, with a merchant category code (MCC) system being the main organizing force.

MCCs run the entire cash back industry, as they ultimately decide how each purchase you make is classified. These designations coincide with cash back rates set by the issuer of your card. For example, you could use your card for a $50 dinner at a steakhouse, which has a “restaurant” code. If your card offers a 2% cash back rate on all spending at restaurants, you’d earn $1 cash back.

Familiar alternatives to cash back include point- and mile-based programs, though many cardholders are partial to cash back. Cash back affords cardholders an independence that is ideal, since you can redeem it for nearly anything.

Popular Cash Back Credit Cards

What Is Cash Back?

Discover, American Express, Mastercard and Visa all have cash back rewards credit cards available for prospective cardholders. Each abide by their own set of regulations, though card issuers decide on cash back rates, promotions and bonuses. Chase, Wells Fargo, Citi and Capital One represent some of the most active card issuers on the market today.

Below are a few examples of what you can expect to earn when looking for a cash back credit card:

Cash Back Credit Cards Card Name Cash Back Rates Cash Back Bonus Costco Anywhere Visa Card by Citi 4% cash back on eligible gas up to $7,000 per year, 3% cash back on eligible travel and restaurants, 2% cash back in-store and online with Costco and 1% cash back elsewhere None Bank of America® Cash Rewards credit card 3% cash back in a category of your choosing, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases (up to a quarterly cap of $2,500 in combined grocery/wholesale club/choice category purchases) $200 bonus cash back for spending at least $1,000 over your first 90 days Capital One® Quicksilver® Cash Rewards Credit Card Unlimited 1.5% cash back everywhere $150 cash back bonus when you spend $500 during your first three months Citi Double Cash Card 1% cash back on your purchases and another 1% cash back when you pay your bill None Capital One® Savor® Cash Rewards Credit Card Unlimited 4% cash back on dining and entertainment, 2% cash back on groceries and 1% cash back elsewhere $300 cash back bonus for $3,000 spent over your first three months TD Cash Visa® Credit Card 3% cash back on dining, 2% cash back at supermarkets and 1% cash back on everything else Earn $150 cash back when spending $500 within the first 90 days (See Terms) USAA Preferred Cash Rewards Visa Signature Unlimited 1.5% cash back on everything None Blue Cash Everyday Card from American Express 3% cash back on up to $6,000/year at U.S. supermarkets (then 1%), 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on other purchases $150 bonus cash back for spending $1,000 over your first six months Getting Cash Back at Retailers

What Is Cash Back?

Picture this: you’re buying some groceries on a Sunday morning, but know you’ll need $40 cash to fill up your car with some gas later. You could swipe your debit card at the supermarket and then head over to the ATM. Or you could ask for cash back right from the cashier, eliminating the extra errand.

The above situation represents the alternative definition of cash back. It’s ultimately the use of a cash register as if you were swiping your debit card at the ATM. When you request cash back from a cashier, your bank account will be charged the amount you asked for. This enables the funds to be pulled from your account so the cash can be placed in your hand.

Although this generally only applies to debit cards, there are a few exceptions for credit cards. Discover® allows cardholders to ask for cash back at more than 50 large retail stores without a transaction fee.

Bottom Line

There are many benefits to utilizing credit card rewards programs. But spending money that technically isn’t yours will always involve some level of risk. If you’re in good financial shape, though, cash back and other types of credit card rewards can help you take more vacations, save money on purchases and more.

Credit Card Tips

  • Managing your credit cards and any debt you accumulate using them is a major part of your long-term financial outlook. Consider working with a financial advisor to make sure you’re managing your money with your goals for the future in mind. SmartAsset’s free matching tool can connect you with up to three advisors in your area. Get started now.
  • If you’re someone who wants freedom when spending credit card rewards, you may prefer cash back to a points- or mileage-based reward system. However, keep in mind that cash back rates are sometimes less than those in point-centric programs.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset.com does not include all card companies or all card offers available in the marketplace.

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Emergency Heat Heat Pump

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