There are 3 Credit Bureaus, and they independently utilize all forms of indicators, credit, outstanding balances, data about You, in order to compile a score.

• EQUIFAX – P.O. BOX 740241, ATLANTA, GA 30374 – PHONE NUMBER: 1-800-685-1111 - TO SPEAK TO A HUMAN AT EQUIFAX, CALL 1-866-640-2273, AND AT THE PROMPT, PRESS 1 AND THEN PRESS 5

• EXPERIAN – P.O. BOX 2002, ALLEN, TX 75013 – PHONE NUMBER: 1-888-397-3742 - TO SPEAK TO A HUMAN AT EXPERIAN, CALL 1-800-493-1058, SAY YES, ENTER CREDIT REPORT #, ENTER SOCIAL SECURITY #, SAY YES, SAY AGENT, SAY YES TO CONFIRM.

• TRANSUNION – P.O. BOX 1000, CHESTER, PA 19022 – PHONE NUMBER: 1-800-888-4213 - TO SPEAK TO A HUMAN AT TRANSUNION, CALL 1-800-916-8800, AT THE PROMPT, PRESS 3