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Contacting Credit Bureaus California

In the age of identity theft and credit card usage, much is said about credit bureaus, credit reports, and credit scores. If you are curious about what all these things are, contacting one of the three major credit bureaus is the place to begin.

Local Companies

Card Payment Solutions
(559) 275-7577
4213 State Street
Santa Barbara, CA

Heartland Payment Systems
(559) 363-2898
26803 Fonda
Fresno, CA

The Golden 1 Credit Union
(559) 222-1148
111 E. Shaw
Fresno, CA

The Golden 1 Credit Union-CSUF
(559) 454-7651
5280 N Jackson Ave
Fresno, CA

Pacific Service Credit Union
(559) 437-5420
102 E Nees
Fresno, CA

State Center Credit Union
(559) 225-7228
1515 E. Shaw Ave
Fresno, CA

The Golden 1 Credit Union
(559) 297-3276
2970 E Nees Ave
Fresno, CA

Scully Cynthia R
661-665-8802
100 H St
Bakersfield, CA

Santa Ana Back Tax Debt Relief
714-881-4498
1620 W 1st St
Santa Ana, CA

Affordable Aid
209-477-7000
1201 N Center St
Stockton, CA

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Know what a credit bureau is. A credit bureau is a company which collects information on an individual's credit, including how much credit a person has, how much money he owes (loans, credit cards, etc.), if he filed for bankruptcy or had a lien put on his property, and of course, if he has ever been delinquent in paying off any debts. The credit bureau also has your name, current and past addresses, and social security number. I'm not sure exactly why they have a right to all this information, but there it is.

The credit bureau takes your debt and credit information and gives each individual a credit score. This score is than accessed by lenders, credit card companies, apartment landlords, etc., to see if the person can be trusted to pay what's owed. The major credit bureaus in the U.S. are Experian, Equifax and TransUnion. Why three companies have a monopoly on the business, again I have no idea, but there you go.
Know what information you can get and what information you want. Individuals usually contact credit bureaus for two reasons--either they want copies of their credit reports or they want to clear up mistakes on their credit reports.

You might want a copy of your credit report for a few different pieces of information. First, you may want your credit score. In other words, if someone checks your credit, will he be getting a good report, or one that says "By God, don't lend to this person!" Generally, people have a pretty good idea of whether or not they've got good credit by considering if they pay their bills on time, have tons of maxed out credit cards or have defaulted on student loans. But getting your actual score is concrete information you can use when preparing to apply for a loan or when planning how to repair your credit.

You also might want a copy of your credit report to see who has been asking about you. Have you applied for a loan or credit card lately? Your credit report will indicate if that company checked your credit. Or you might want to check out your credit report to see if anyone has been perpetrating any identity theft--signing up for a credit card in your name, for instance. You credit report will list all the credit sources you've taken out money with, including credit cards you've already paid off. If there's one on there you don't know, that's a red flag to do some checking.

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Author: B. Danesco

Featured Local Company

Card Payment Solutions

(559) 275-7577
4213 State Street
Santa Barbara, CA

Read more about Contacting Credit Bureaus

- Consumer Credit Reports California

Consumer credit reports are often used by businesses to help them decide whether to lend money or provide other types of benefits to a particular consumer. Credit bureaus provide credit report information on consumers to interested parties, to enable credit card holders get useful information.

- How To Fix Bad Credit California
- Placing a Fraud Alert On Your Credit Report California
- Keep Your Credit History Clean California
- View Your Credit Report California
- Acquiring Good Credit California
- Credit Counseling Services California
- Credit Repair Made Easy California
- Which Credit Bureau Should I Use To Check My Credit Report? California
- Ways To Repair Bad Credit California

Regional Articles

- Keep Your Credit History Clean California

If you want to obtain a loan or a mortgage or make any large purchases, you have to have good credit. Find out how to make sure you have good credit and if you don't -- how to clean it up -- and if you do -- how to keep it that way.

- Placing a Fraud Alert On Your Credit Report California
- Acquiring Good Credit California
- View Your Credit Report California
- Credit Counseling Services California
- Consumer Credit Reports California
- Ways To Repair Bad Credit California
- Credit Repair Made Easy California
- Which Credit Bureau Should I Use To Check My Credit Report? California
- How To Fix Bad Credit California

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Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
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Environmental	Home Electronics	Pets	World History