Over the past five years there has been quite a bit of litigation regarding consumers not having access to the credit bureaus.  Until recently, it was pretty much a lost cause trying to speak to a real person about anything with regard to your credit report.  Thanks to that above mentioned litigation, it is now possible to call them and get a real person on the phone.  I would suggest doing this when all else fails.   Also, nothing can replace an organized method of communication with the credit bureaus.  Be prepared to state your case with backup documents if necessary.  Whatever communication you have with them always remember to document EVERTHING.  This will help you stay organized, and will give you proof if things get ugly and you have take them to court.  I have listed the numbers to call to get a human being to speak with you for each bureau:

Experian-  1-714-830-7000   

Equifax -       866-640-2273     (choose option 3 and patiently wait for a human)

TransUnion – 1800-916-8800

How to deal with credit agencies-letters

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