All Topics > Financial Services > Contacting Credit Bureaus >

Contacting Credit Bureaus Massachusetts

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

Heartland Payment Systems
(978)9142525
8 Arundel Avenue
Wakefield, MA

Emerge, Inc.
(617)5479879
2464 Massachusetts Avenue
Cambridge, MA

Equity Commerce
(617)7180454
53 Concord Avenue
Somerville, MA

Asylum & Refugee Assistance Associates
(401) 454-8585
174 Wimbleton Dr
Longmeadow, MA

Bannish Joan
(413) 567-3131
1200 Converse St
Longmeadow, MA

Bricker Amy
(413) 567-7678
51 Clairmont St
Longmeadow, MA

Castleman Philip
(413) 567-8268
326 Williams St
Longmeadow, MA

Discenza John M
(413) 567-8411
138 Longmeadow St Ste 201
Longmeadow, MA

Elliot Lauren
(413) 565-2121
1200 Converse St Ste L1
Longmeadow, MA

Holland & Bonzagni PC
(413) 567-2076
171 Dwight Rd Ste 302
Longmeadow, MA

Provided by:

Click here for more content from HowToDoThings.com

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.

...

Click here to read the rest of the article at HowToDoThings.com

Author: B. Danesco

Featured Local Company

Heartland Payment Systems

(978)9142525
8 Arundel Avenue
Wakefield, MA

Read more about Contacting Credit Bureaus

- Acquiring Good Credit Massachusetts

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.

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

Regional Articles

- Ways To Repair Bad Credit Massachusetts

If you are looking for ways to repair bad credit you are like thousands of people in America that want a solution to bad credit problems. The good news is you can repair bad credit yourself and raise fico scores back to a respectable level.

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

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

Advertising	Family	Home Services	Real Estate Resources
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