Credit Advice

Report number from your personal credit report essential for receiving assistance

Have a question?

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Our policies
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.

Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.

Credit Advice

Report number from your personal credit report essential for receiving assistance

Dear Experian,

What is my credit report number? I need it so I can speak to someone live.

- MIN

Dear MIN,

When you request your personal credit report directly from Experian you will receive two important things along with it. The first is a "report number." The second is dispute instructions that include a toll-free telephone number, mailing address and Internet address.

The report number you receive on your personal credit report is different than the number your lender receives. Using your number to identify your report ensures that you are contacting Experian about an Experian report, because Experian can’t discuss other credit reports with you. It also ensures the report you have is current and includes recent updates to your history. Having a current report enables Experian's representatives to answer your questions or process your disputes most effectively.

You can request a free copy of your personal report at www.annualcreditreport.com or, if you have already received your free annual report, you may purchase one at www.experian.com/reportaccess. Your lender’s adverse action notice might also direct you to www.Experian.com if they used an Experian report in making their decision. In that case, you would qualify for a free report based on the adverse action.

Credit a reports received through most credit monitoring services also include a report number or instructions to obtain a report that includes the number and dispute instructions.

Many disputes can be entered directly online, which directs the request immediately to the source of the information and can speed up the process for you. But, if you need personal assistance, it is available. With your current Experian report at hand, you can enter the report number in our automated phone system and select operator or agent to speak to a consumer assistance representative.

Thanks for asking.

- The "Ask Experian" team

  • © 2014 Experian Information Solutions, Inc. All rights reserved.