When to Contact the Credit Bureaus There are plenty of reasons why you might need to contact one or all three credit bureaus, including:– freezing your credit,– disputing an item on your credit report,– requesting a copy of your credit report,– reporting fraud or identity theft,– reporting someone’s death etc.
If you need to dispute an error on your credit report or request a copy of your credit report, it’s generally a good idea to contact all three credit bureaus – Equifax, Experian, and TransUnion.