Nationwide CRAs

Nationwide CRAs companies

Equifax, TransUnion, and Experian

These are the three big nationwide providers of consumer reports.

To order your free report |

  • Online
  • Online or Phone or Mail
  • Be sure to send requested docs
Phone: 877-322-8228 (Option 1)
Address: Central Source, LLC

P.O. Box 105283

Atlanta, GA 30348-5283

Equifax, TransUnion, and Experian reports contain:

  • Personal information, such as your name, date of birth, name(s) of loan co-applicants, as well as current and past residential addresses, phone numbers and employer names.
  •  Information about your payment history as submitted by credit card companies, home and auto lenders (and leasing companies), and other creditors.
  •  How much credit you have and use.
  •  Information from debt collectors including unpaid medical debt that is greater than 365 days delinquent from date of service, and past-due debt from cable and phone bills.
  •  Some public information like bankruptcies.
  •  Inquiries from creditors who have requested your credit reports when you apply for credit. will route you to any of the three companies you select. Before giving you a copy of your report, each company will ask you a few detailed questions to authenticate your identity. These questions are designed to be those only you can answer. They might be questions asking you to verify information about an existing or closed loan. The question could ask you to identify a street address where you have never lived and you would respond that it was not an address where you lived. The purpose of these questions is to protect the security of your information.

If you run into difficulty getting your free Equifax, TransUnion, or Experian annual credit report(s) from  or its toll-free phone number provided above, try contacting the respective institution(s) directly for help:

  • Equifax, (888) 378-4329. For reports in Spanish, choose Option 8 when calling or visit
  • TransUnion, (833) 395-6938. For reports in Spanish, choose Option 2 when calling.
  • Experian, (888) 397-3742


Provides identity verification data to assist with fraud detection and prevention. Innovis is a subsidiary of CBC Companies. Inc.

To order your free report |

Phone: (800) 540-2505 or

(866) 712-0021

Address: Innovis Consumer Assistance

P.O. Box 530089

Atlanta, GA 30353-0089

LexisNexis Risk Solutions

Collects information from public records and multiple proprietary data sources. This includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file.

To order your free report |

Phone: (866) 897-8126
Address: LexisNexis Risk Solutions

Consumer Center

P.O. Box 105108

Atlanta, GA 30348-5108