How To Reach a Human at Experian, TransUnion or Equifax

The major credit bureaus can be invaluable when it’s time to freeze your credit, which is something that money expert Clark Howard recommends that you do. At other times, you may need to contact the bureaus to address a discrepancy or something similar on your credit report.

One issue you may run into when contacting the three major credit bureaus – Experian, TransUnion and Equifax – is reaching a real person.

In this article, I’m going to share with you the steps you can take to reach human beings at the three major credit bureaus.

The three credit bureaus are all leaning into self-service options when you contact them by phone, especially Experian, where in my experience, it’s most difficult to reach a live person.

In March 2024, I documented the steps as well as the wait times it took for me to talk to a real person at the following credit bureaus:

• Experian
• TransUnion
• Equifax

How To Reach Humans at Experian, TransUnion and Equifax

Wait times may be longer if you call during peak hours, so try to call early in the day. Also, note that each of the credit bureaus has several phone numbers, each for different issues. What I’ve detailed below is the quickest way I was able to reach a real person.

All the credit bureaus route callers to self-service options. Even after reaching a real person, he or she may have to put you on hold to get you to the department you need.

Experian

• Experian phone number: Experian’s official customer service number is: 1-888-EXPERIAN (1-888-397-3742). But I called 714-830-7000 and was transferred to talk to a human.
• How to reach a real person: Bypass the prompts that try to route you to the website or automated self-serve by choosing the “other questions” option.
• Total wait time: Less than 5 minutes

Detailed steps on how to reach a live person at Experian: Enter your Social Security number to confirm your identity.

By calling the number above, I was briefly put on hold, then connected to a real person, who was able to transfer me to any number of departments.

If you call another phone number, you may get an automated voice that asks, “Would you like to remove the freeze on your credit file now?” If you say yes, you’ll be routed to a self-serve process. If you say no, you’ll be returned to the main menu.

TransUnion

• TransUnion phone number: The official customer care number for TransUnion is 1-800-916-8800, and that’s the number I called to get to a real person.
• How to reach a real person: Answer the voice prompts and wait to be connected.
• Total wait time: Less than 3 minutes

Details on how to reach a live person at TransUnion: To speak to a human at TransUnion, I had to speak to an automated voice, but first I had to enter my mailing ZIP Code.

After answering those questions to verify my identity, I was prompted to state the purpose of my call. A few times I called, I said “Dispute” and was connected to a real person. A couple of times after that, I said “Agent” and was also connected to a human.

Equifax

• Equifax Phone number: While Equifax’s official customer service phone number is 1-800-846-5279, I found the easiest path to reach a real human is to call this number: 1-866-640-2273.
• How to reach a real person: Press 4, then press 1.
• Total wait time: 3 minutes

Details on how to reach a live person at Equifax: The call will start with some introductory promotions. You’ll hear a menu with five options. You’ll be prompted to:

• Press 1 to speak to an automated voice about online assistance with changing or disputing your Equifax credit report, placing or removing a security freeze or information regarding your free credit report.
• Press 2 for login help
• Press 3 to cancel a product
• Press 4 to speak to a product specialist
• Press 5 if you’re having trouble enrolling for a product

If you don’t press anything, it may connect you to a real person in a few seconds. If not, here’s what to do: Press 4: You’ll be forwarded to an agent shortly.

After calling multiple times, I found that pressing 4 was the quickest way to reach a human. I also reached a live person by pressing 1, but it took longer.

You may also get the following option: “If you’d like to receive a callback rather than wait on hold, press 1 now. You will not lose your place in line.”

Recap: Quick Ways To Reach a Real Person at the Credit Bureaus

Now that we’ve gone over how to reach a live person at the three major credit bureaus, let’s review:

Credit Bureau	Phone Number	Operating Hours
Experian	1-714-830-7000	Monday-Friday, 7 a.m.-7 p.m. Central
TransUnion	1-800-916-8800	Monday-Friday, 8 a.m. to 11 p.m. Eastern Saturday & Sunday 8 a.m.–5 p.m. Eastern
Equifax	1-866-640-2273	Monday-Friday, 9 a.m.-9 p.m. Eastern Saturday-Sunday, 9 a.m.-6 p.m. Eastern

Reaching real, live help at the credit bureaus can be a pain, but it pays to be persistent.

If you found a great way to contact the credit bureaus, let us know in our Clark.com Community!