How to Speak to a Live Person at Each of the Credit Bureaus

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Clik here to view.Getting in touch with an actual human being at each of the three major credit bureaus (Equifax, Experian and TransUnion) can be a real pain, but it shouldn’t be. Unfortunately, the majority of our reader comments have been regarding the frustration felt when calling these credit reporting agencies to reach a real person to discuss identity theft, item disputes, credit freezes, fraud alerts, credit reports, credit scores, credit report locks, other credit concerns.

To ease this frustration, we created did the homework necessary and created this page to help you contact someone at each credit reporting company quickly. It will teach you the steps to take to reach an actual live agent at each of the 3 primary consumer credit bureaus, in the shortest amount of time possible, instead of getting bounced around by the auto-attendant all day long like most people do.

Following the phone prompts below for each credit bureau should help you get the answers you need from Experian, Equifax, and TransUnion by speaking to a real customer service representative for your general credit-related questions in 2022.

Phone Numbers for Each of the 3 Major Credit Bureaus

• Equifax: 1-888-548-7878
• TransUnion: 1-800-916-8800
• Experian: 1-800-493-1058

How to Speak to a Live Person at Experian

If you need to get in touch with an actual live human being at Experian and don’t want to get caught up in some automated phone system or other artificial intelligence, then follow these steps which we’ve taken and verified ourselves.

1. Call Experian at 1 (800) 493 1058
2. Enter your social security number and possibly zip code
3. Say ‘Credit’ or Press ‘2’ on your phone
4. Say ‘Credit Report’ or Press ‘1’
5. Say ‘Credit Questions’ or Press ‘1’
6. Listen for a bit, then you will eventually be transferred to a live person at Experian

How to Speak to a Live Person at Equifax

If you need to get in touch with an actual live human being at Equifax and don’t want to get caught up some automated phone system loop or other artificial computer intelligence, then follow these steps which we’ve taken and verified ourselves.

1. Call Equifax at 1 (888) 548-7878
2. Press ‘3’ on your phone
3. Wait while you are being transferred to a live person at Equifax

How to Speak to a Live Person at TransUnion

If you need to get in touch with an actual live human being at TransUnion and don’t want to get caught up in some automated phone system or other artificial intelligence, then follow these steps which we’ve taken and verified ourselves.

1. Call TransUnion at 1 (800) 916-8800
2. Press ‘0’ on your phone
3. Wait while you get transferred to a live person at TransUnion

Final Thoughts on Getting an Actual Human Being at the Credit Bureaus to Talk To

If you follow these steps and still have trouble reaching an actual person and any of these credit reporting agencies to talk to, leave us a comment below. We usually respond within 1 business day, but oftentimes much faster during normal business hours.

We are dedicated to helping you find the credit-related answers you need, when you need them, without having to spend all day on the phone. Getting in touch with a human at Experian, Equifax and TransUnion is way harder than it should be, but that’s why we’re here – to help!