Your 2026 Credit Score Playbook: What Really Moves the Needle
Learn what truly impacts your credit score in 2026 — including payment history, utilization, medical debt changes, rent reporting, and new credit trends.
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Credit Reporting Agencies
Equifax
P. O. Box 740123
Atlanta, GA 30374
(800) 685-1111 or www.equifax.com
Experian (formally TRW)
P. O. Box 2350
Chatsworth, CA 91313
(800) 682-7654 or www.experian.com
Transunion
P.O. Box 2000
Chester, PA 19022
(800) 916-8800 or www.transunion.com
Getting your Free Credit report
The official site to help consumers obtain their free credit report is AnnualCreditReport.com.
Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283
www.annualcreditreport.com
Other Resources about your credit
www.myfico.com
www.fairisaac.com
http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml
