Tools

Calculators

  • Cost-of-Debt Calculator – Use this calculator to see just how expensive paying interest on your debt can be.
  • Investment Returns – There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.
  • Retirement Planner – Quickly determine if your retirement plan is on track – and learn how to keep it there.
  • College Savings – Use this calculator to help develop or fine tune your education savings plan.
  • Don’t Delay Your Savings! – Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.

Annual Credit Report

AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don’t be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report.

Contact Info for the Three Credit Reporting Agencies

Use These Numbers to Order Reports:

  • Equifax 1-800-685-1111 This one lets you get a free report if you have been denied credit in the last 60 days. Option 2. Make sure that you order only the credit report. Mail within 48 hours.
  • TransUnion – 800-916-8800 – mail within 6 to 8 business days.
  • Experian – 888-397-3742 – receive within 8 to 10 business days.

Via the World Wide Web

General Contact Numbers

Experian
Office in TX: 1-888-397-3742
Business: 888-211-0728

Equifax Information Services
Business Line (also has option for Personal): 888-202-4025
Office in GA: 1-800-685-1111
Dispute Fax #: 888-826-0573
Business: 802-304-0364
General: 800-797-6801

TransUnion
Office in PA: 1-800-888-4213
888-259-6845 (6am-12 pacific time)
800-916-8800 (consumer relations)

Addresses for Disputes on Credit Reports:

Experian
NCAC
PO Box 9556
Allen TX 75013

Equifax Information Services
P O BOX 740256
Atlanta, GA 30374

TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000