Credit Solutions Of Experience
Before you can start down the path to restoring your credit to a healthy state you must know where you currently stand. You will need to get a credit report. In fact you may need to get three credit reports to get the complete picture on your credit history. The reason for this is that there are three major credit bureaus. And you must obtain a report from each of them to be able to resolve all the strikes against you because they may not all have the same information depending on who your creditors are and which bureau they report their finding to.
Here is a listing of the three major credit bureaus and how to contact them:
Experian – To order an Experian credit report call 1.888.397.3742 – If you want it delivered by mail then call 1.866.200.6020
Equifax – To order an Equifax credit report 1.800.685.1111 – or you can write to them at: Equifax Credit Information
Services, Inc. P.O. Box 740241 Atlanta, GA 30374
TransUnion – To order a TransUnion credit report call 1.800.888.4213 – or you can write to them at: TransUnion, 2 Baldwin Place, P.O. Box 2000, Chester, PA 19022
You should be able to do most everything online if you want to, from ordering a credit report to disputing something on your credit report. In fact after you spend some time on these sites you will realize that they prefer for you to do everything online these days (it is so much easier than when I had credit issues and the only way you could contact the bureaus was by mail, and that was the only way they would respond too). You should also be aware that the credit bureaus also sell other services so be careful that you don’t buy credit protection you don’t need, if your credit is already in need of repair.
Due to the the Fair and Accurate Transactions Act (FACT ACT as it is called) you are allowed by law to receive a free credit report from each credit bureau once a year. To request these reports online you can go to annualcreditreport.com and they should be able to assist you with the request. In fact, the web sites of each bureau point to this web site as the place to go to request your free annual credit report. Also, if you are not already aware of this, if you have been denied credit in the last thirty days, you are allowed to request another free credit report from each of the bureaus. I wouldn’t advise intentionally being denied credit just to save the approximate $45 in fees to the credit bureaus because that action will show up on the credit report, and trust me it isn’t worth the small fee in time alone you will spend attempting to clean up your report. Obtaining you credit report is the first step to finding credit solutions that will work for you.
