Credit Repair:Knowing What is in Your Credit Report

Credit Repair:Knowing What Is in Your Credit Report

A Guide:How To Get Your Credit Reports For FREE

The first step in repairing your credit is to get your credit reports from three national credit bureaus. Experian, Equifax and Trans Union are the most popular credit bureaus where the local and regionalcredit centers get most of their information from.

Right now, annual credit report is the only authorized source to get your free annual reports. You can also get your FICO score with all three credit reports. Their

You should get your credit reports once every year and anything that they ask you to pay, even for processing fees should be questioned closely.

It is much easier to get your credit reports FREE from the site above but if you prefer to do it by mail for whatever reason, you must include your full name, current address (and previous addresses if you have been at your current adress less then three years) and social security number, and proof of address (Cable,Utility, phone bills cell phone bill won’t work) and send to the following addresses:

Experian
(800) 682-7654

P.O. Box 2104

Allen, TX 75013-2104

Equifax

(800) 685- 1111

P.O. Box 105873

Atlanta, GA 30348

Trans Union

(800)888-4213

P.O. Box 390

Springfield, PA 19064-039

When you get your credit reports in the mail.Look over them very throughly.

Check for inaccuracies, items that are older then seven years and unverifiable information that you can request to have deleted. The older, the account is, the less substance it has on your FICO Score. In order to request aremoval, you need to get a hold of a Credit Report Dispute Form or write a letter to all three credit bureaus ask them to delete the item.

If you are having trouble disputing items on your credit reports. It’s always better to seek out a reputable Credit repair service and agency. One way to tell if the credit repair is reputable is to look for a FTC RED FLAG. This means that they are compliant with the rules and regulations of the FTC.

P.S Don’t dispute items on any of the three credit bureaus websites, because they only allow you to dispute an item once.