Credit information and tips to fix your credit!
Basic Credit Repair Strategy .
The basic strategy to repairing your credit is as follows:
- Get and review your credit report. Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374- 0241. Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013. TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790. Freecreditreport.com
- Analyze your report: The first pages will be the negative parts of your report. Pay close attention to what is being reported. Look at all the names, addresses, and
- Make a list of all items you consider to be questionable or negative. Clearly identify each item in your report that you dispute, explain why you dispute the information,
- Write a dispute letter bureaus.
- Send the letter to the credit bureaus. Make sure you send it registered or certified mail.
- Document your efforts.Record when you sent your letters, and the results.
- Wait for the bureaus to investigate your claims.
- Analyze the results.
- Specialized techniquesWas the item deleted or changed to your satisfaction? You may continue steps 1, 2 and 3 above until you feel the dispute is settled satisfactorily. Remember, there is no charge for a reinvestigation. If you don’t get the results you want, dispute the listing again.
That's all there is to it. Seems easy enough but you must have patience, because the credit bureaus are not always very cooperative. They make their money by providing credit reports to lenders not by fixing bad information in their databases