Debt Collection and Credit Bureau Information

Fair Debt Collection Act

A debt collector may not:

  • Call before 8 am
  • Call after 9 pm
  • Call your place of work if they are aware that your employer doesn’t approve
  • Lie or harass you
  • Ignore a written request to a stop contact

For more information:
877-FTC-HELP (877-382-4357)
www.ftc.gov
Opt Out List for Pre-Screened Offers

Good for two years.
1-888-5-OPTOUT (1-888-567-8688)

Credit Bureau Information

Experian
P.O. Box 2002
Allen, TX 75013
1 888 EXPERIAN (1 888-397-3742)
www.experian.com

Equifax Information Services, LLC
Disclosure Department
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com

Transunion
Post Office Box 1000
Chester, PA 19022
1-800-888-4213
www.transunion.com

Free Annual Credit Report per the FACT Act
P.O. Box 105281
Atlanta, GA 30348-5281
1-877-322-8228
(A service sponsored by the three major credit bureaus)
www.annualcreditreport.com