With so many data breaches happening around us, millions of Americans have had to familiarize themselves with the three major credit bureaus to freeze their credit. Many people were able to do this online, but we’ve also heard from many more who haven’t been successful.
I counted myself among the latter, at least at first. Then I picked up the phone and called all three of the major credit-reporting bureaus — Experian, TransUnion and Equifax — and spoke to a real, live person. I’m going to share with you the steps you need to talk to reach a live person at Experian, TransUnion and Equifax.
How to reach a human at Experian, TransUnion and Equifax (updated May 2019)
- Phone number: Experian’s official customer service number is: 1-888-EXPERIAN (1-888-397-3742). But I called 1-714-830-7000 to talk to a human.
- How to reach a real person: Enter your personal information as requested, then press “1”
- Total wait time: 3 minutes
The thing to know about Experian is that you have to enter a lot of personal information to get connected.
You’ll be greeting by an automated voice that says, “If you are a consumer and would like assistance with your credit report, press 1. (PRESS 1). It then plays a promotion.
Then it asks for your SSN and ZIP code. In my case, each time I tried this number at this point in the call it said: ‘I’m sorry, we are experiencing difficulties please call back at a later time” — then it immediately connected me to a live person.
- Phone number: The official customer care number for TransUnion is 800-916-8800, and that’s the number I called to get to a real person.
- How to reach a real person: Press 0.
- Total wait time: 2 minutes
To speak to a human at TransUnion I had to listen to the prompts. At the end it then says “to speak to an agent press 0.” That’s what I did.
- Phone number: While their official customer service phone number is 1-800-548-7878, I found the easiest path to reaching a real human by calling this number: 866-640-2273.
- How to reach a real person: Press 1, then Press 4.
- Total wait time: 3 minutes.
Equifax has changed its menu options so the process of reaching a human is a bit different now. The call starts with an automated voice that says “For English, press 1, for Spanish, press 2.”
Once you do that, it asks if you want to “speak to a representative about changing or disputing your credit report, placing or removing a security freeze on your credit report, press 1.”
It will then say, “To speak to an Equifax product specialist, press 4.” And that’s what I did.
After you press 4, an agent will answer the phone shortly.
Reaching real, live help at the credit bureaus can be a pain, but be persistent.
Have you had success reaching customer service representatives by calling other numbers? If so, let us know in the comments!
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- Free credit freezes are here: Here’s what to know
- How to reach a real person at these tech companies
- Are companies recording you while you’re on hold?