Watch the video below to learn exactly on what I say to them. This applies to Transunion, Equifax, and Experian
Tips for Each Bureau:
✅ TransUnion
- Press 1 for English
- Press 0 (wait for the robot to speak), then press 0 again—repeat this until you’re prompted for your ZIP code
- When asked for your ZIP code, remain silent and you’ll be routed to a live agent
✅ Equifax
- Keep saying “representative” or “human” repeatedly until the system connects you
- Depending on the time of day, this can take anywhere from 5 to 30 attempts
✅ Experian
- The toughest one to reach without their paid service
- Sign up for their 7-day free trial at Experian.com
- After signing up, call in, enter your Social Security number, and you’ll be quickly transferred to a representative
📞 Pro Tip: The best time to call is between 2:30 PM – 3:30 PM EST, when wait times are shorter and calls are re-routed to the Philippine's, instead of India.
This little roadmap can save you hours of frustration and get you speaking to a real person who can actually help.