The Best Way to Mail a Letter to Credit Bureaus

If you have issues that need to be addressed with a credit-reporting agency, you may be able to contact the credit bureau for resolution in several ways. Some of the services that a credit-reporting agency handles include allowing you to opt out of pre-approved offers for credit and insurance products; install a fraud alert; handle a credit dispute; add a security freeze on your credit report; get a free credit report; or purchase a credit-monitoring service. Many complaints, disputes or requests for additional services can be done online, by phone or via email or post.

Instructions

1

Explain the reason you are sending a letter to the credit bureau; be brief and to the point. The reason you are writing could determine which address you use for a specific credit-reporting agency.

2

Check each credit bureau website, which will provide the correct department address based on your request. For example, Experian may have two different addresses for two separate requests, such as one for a security freeze concern, and anther that handles credit fraud alerts.

3

Include verification information with your request, such as a copy of your driver's license, recent utility bill and a copy of your social security card. If you are disputing information on your credit report, send your request by certified mail, with return receipt requested. Credit bureaus have deadlines when resolving disputes and this serves as dated proof that you sent the information.

4

Order a free credit report to make sure any concerns you addressed were resolved. There are three credit-reporting agencies: Transunion, Experian and Equifax. You are allowed one free credit report every 365 days, from each of the agencies. To get your report, put your request in writing to: Annual Credit Report, P.O. Box 105281, Atlanta, Georgia, 30348-5281. This address conveniently allows you to order all reports from all three agencies at once.