Credit Repair:Knowing What is in Your Credit Report
A Free Guide: Simple Way To Get Your Credit Reports for FREE
The first thing you should do 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 regionalbanks 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 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 more convenient 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
When you get your credit reports in the mail.Read then very carefully.
Check for inaccuracies, old and unverifiable information that you can request to have deleted. The older, the account is, the less affect 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.
Disputing items on your credit reports can be a little tricky. 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.
Tags: credit disputing, Credit Repair, Credit reports, How to get your credit report for FREE, Know what is one your credit report