Credit Report Copy

US Credit Bureau Phone Numbers

US Credit Bureau Phone Numbers for the 3 major Credit Reporting Agencies in the United States:

Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111

Experian
P.O. Box 2002
Allen, TX 75013
1 888 397 3742

TransUnion
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

What is a FICO Score?

What is a FICO Score?

A FICO score is a credit score created by Fair Isaac Corporation. The FICO score is the most well known credit score in the United States, and is is used by all three of the major credit bureau reporting agencies (Equifax, Transunion and Experian). A high FICO score (720) indicates better credit, and a FICO score below 600 is considered poor. The most important factor in determining a FICO score is making past payments on time. The percentage of credit limit used is another important element in the FICO score models, with a penalty for using too much of available credit. These two factors are given a total weight of around two thirds in calculating the typical individual’s FICO score. Other major FICO score variables include length of credit history and types of credit used. Bankruptcy, foreclosure, court judgments, and tax leins reduce FICO scores dramatically, especially they are recent events.

About Fair Isaac Corporation:

A pioneer credit score company, FICO was founded in 1956 as Fair, Isaac and Company by engineer Bill Fair and mathematician Earl Isaac. FICO was first headquartered in San Rafael, CA, United States. Selling its first credit scoring system two years after the company’s creation, sales of similar systems soon followed and in 1987 FICO went public. That year also saw the introduction of the first general-purpose FICO score.