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Contacting Credit Bureaus Florida

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

National Foundation for Debt Management
(727) 584-6667
14104 58th Street N.
Clearwater, FL

Berkowitz Law Group
727-344-0123
6560 1st Ave N
St. Petersburg, FL

Vanguard Payment Systems, Inc.
(727) 723-0701
28100 US 19 N. Ste. 411
Clearwater, FL

Pantas Law Firm
(407) 425-5775
250 N Orange Ave
Orlando, FL

AAA Credit Counseling
(407) 264-2998
10011 Brightfield Ct
Orlando, FL

Bankruptcy Law Clinic
(786) 621-5267
11098 Biscayne Blvd
Miami, FL

Credit Medic MD
1-800-644-9454
www.creditmedicmd.com
jacksonville, FL

Grand Bank & Trust of Florida
586-7270
2000 Lantana Rd.
Lantana, FL

2nd Chance Credit Solutions
(305) 945-2858
1064 Ne 163rd St
Miami, FL

Saint Petersburg Credit Card Debt Consolidation
727-498-0988
200 2nd Ave S
St. Petersburg, FL

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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

National Foundation for Debt Management

(727) 584-6667
14104 58th Street N.
Clearwater, FL

Read more about Contacting Credit Bureaus

- Acquiring Good Credit Florida

Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to credit bureaus.

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

Regional Articles

- Credit Counseling Services Florida

Your credit report score has been affecting your credit history for years and you may not even know you have one or what it is.

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

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Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History