A Guide: To Getting Your Credit Reports And To Easy Credit Repair
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.
At this time, annual credit report is the one source to get your free annual reports. You can also get your FICO score with all three credit reports. Their
You are entitled to 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 or you can do it by mail for whatever reason, 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
After you receive your credit reports.Read then very carefully.
Check for inaccuracies, items that are older then seven years and items that don’t belong to you. The older, the account is, the less affect it has on your FICO Score. In order to request adeletion, 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.
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