• We know how difficult and overwhelming it can be to work with the credit bureaus to clean up your credit report and improve your score. That's why we created this community website. A place where you can ask your consumer credit, credit bureau, and business credit-related questions to get answers from others who are happy to share their knowledge, experience and expertise. Many of them people just like you! If this web site helps you accomplish your credit goals we hope you'll come back and share your experience with the community so that it helps others too!


  1. Credit Bureaus

    1. General

      General credit bureau forum. Questions and discussions not specific to any of the credit bureaus - credit scores, reports, monitoring, disputes and more.

    2. Equifax

       Equifax forum. Questions and discussions specifically regarding the credit bureau Equifax - credit scores, reports, monitoring, disputes and more.

    3. Experian

       Experian forum. Questions and discussions specifically regarding the credit bureau Experian - credit scores, reports, monitoring, disputes and more.

    4. TransUnion

      TransUnion forum. Questions and discussions specifically regarding the credit bureau TransUnion - credit scores, reports, monitoring, disputes and more.

  • Recent Posts

    • Someone in the accounting department of our family business embezzled nearly $500K forcing us to close. Because that money was stolen we have been forced to shut down our business and are in the process of filing for Chapter 7 bankruptcy. The Internal Revenue Services said we can call the 3 major credit monitoring companies and speak to someone about our options to correct our  credit due to this theft and fraud. I am struggling to speak to a live customer service representative when I call their phone numbers listed on the Experian, Equifax and TransUnion websites. Can someone please tell me how to get a real human on the phone at any or all of the credit bureaus?


    • Hi Craig,

       I can totally understand your frustration. The credit bureaus don't make it easy for consumers to get in touch with someone over the telephone.

      This link should help you get in touch with a human at all 3 credit bureaus.

      Here's an article with tips for disputing and correcting items on your credit report.

      In regards to the Better Business Bureau, I don't think they can take adverse action against companies other than working with them to help resolve complaints submitted through the BBB website.


      Major Credit Bureau BBB Profiles:

      Here's the BBB pages for each of the credit bureaus in case you're interested seeing what others have complained about, filing your own or writing a review.

      TransUnion BBB Profile

      Equifax BBB Profile

      Experian BBB Profile


      However, I'd read this article before filing a complaint



    • I can't believe I actually spoke to a live breathing-human when I called Trans Union today!!!! She sounded Indian and had a strong accent that I could barely understand, but I was still relieved because I couldn't get in touch with anyone at all when I had called Experian and Equifax prior to that.

      The phone number I used to speak with a human at Transunion is 1-800-916-8800.

      As I said, I had no such luck with the other two and simply need them to do an Inquiry for a paid off item which they’re not current on and remove that negative item off my report so I can buy a home!!

      It’s bad when my son and I can’t get a home together because of their negligence!! How come the Better Business Bureau doesn't do anything about it.

      This is ridiculous!


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