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Contacting Credit Bureaus Illinois

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

Consumer Credit Counseling Services
(312) 443-1326
70 E Lake St
Chicago, IL

Heartland Financial Services LLC
(312) 920-9313
180 N Michigan Ave
Chicago, IL

Metro Group
(312) 628-1447
35 E Wacker Dr
Chicago, IL

Counseling and Family Services
(309) 676-2400
330 SW Washington Street
Peoria, IL

Central Illinois Debt Management and Credit Education, Inc.
(309) 676-2941
719 Main St
Peoria, IL

Family Credit Management
(800) 919-7985
124 SW Adams Street
Peoria, IL

Teen Challenge Peoria, Illinois
(309) 673-3716
311 S. Olive
Peoria, IL

Mindock Counseling and Consulting
(309) 696-4697
3100 N. Dries Lane
Peoria, IL

KCB Information Services
(309) 353-5527
11 N. 6th Street
Peoria, IL

Human Service Center-White Oaks
(309) 671-8000
P.O. Box 1346
Peoria, IL

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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

Consumer Credit Counseling Services

(312) 443-1326
70 E Lake St
Chicago, IL

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Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
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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