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Contacting Credit Bureaus Texas

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
915-564-5401
3804 Hayes Ave
EI Paso, TX

Credit Store
361-991-5100
5858 S Padre Island DR
Corpus Christi, TX

Consumer Credit Counseling
(972) 487-6461
705 W Avenue B
Garland, TX

L C Mortgage
(972) 279-7979
1402 Northwest Hwy
Garland, TX

Resetar Janet F
(972) 485-5900
705 W Avenue B Ste 600
Garland, TX

CBM MEDICAL MANAGEMENT SERVICE
(214) 777-2085
3402 Taurus Dr
Garland, TX

American Finasco Inc.
(281) 885-0400
15425 North Fwy
Houston, TX

Northside Auto Credit
(281) 587-0640
200 Hollow Tree Ln
Houston, TX

Able Debt Settlement
(214) 357-5356
2351 W Northwest Hwy
Dallas, TX

Heisch Dale Atty At Law
817-808-6353
3505 Airport Fwy
Fort Worth, TX

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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

915-564-5401
3804 Hayes Ave
EI Paso, TX
http://www.cccsintl.org

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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.

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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