Posts Tagged ‘Know what is one your credit report’
What Does Credit Repair and New Year’s Have In Common?
January 13th, 2010 | 
Author: If you are reading this, you are definitely wondering what these two things have in common. Well, I will get to that in a moment, but first I want to clear up some common misunderstandings about credit repair.
If you are just begining your search for information about credit repair. I must warn you, a lot of the information you will find during your internet search will totally confuse you. I have been in the credit repair industry for a long time and I will tell you, I can’t believe a lot of the things I have found on the internet.
I have read everything from, I can’t get in touch with the person who is repairing my credit, credit repair services are a scams, I can fix your credit in 37 days, you can’t remove negaitve items from your credit reports, why pay someone to repair my credit when I can do it myself.
Are these statements valid? I wish I could give you a better answer, but the real answer is, NO and YES.
NO! These statements are not true, because some of those statements are made by people who don’t understand how credit bureaus work and/or misinterpet the FCRA. Also, There is a MLM credit repair company out there(This is the major reason why people complain). What happens is lot of people sign up to be a representive, then quit a three months later.
Unfortunately, these statements are true, because like any other industries, car salesman, lawyers, mortage agents. There are unethical people in the field.
If you are looking for more information about credit repair services. Please, keep a look out for articles by Tim Vanderbilt, Credit Repair (Rebuild) expert.
Ok, here’s what new years and credit repair have in common. {When both of them are over you will have a! Both of them give you a} fresh start, once again. However, do not take it for granted that you have a new start with your credit, because unlike new year’s, fixing your credit is something you only want to do once in your lifetime.
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Credit Repair: Starts with Your Credit Reports
A Guide:How 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 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 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 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 investigate the items.
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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