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How to Order the Right Credit Reports to Repair Your Own
Credit
In this week's article, I am going to offer some tips and
insight regarding how to order the right credit reports needed to
repair your credit.
Believe it or not, a majority of the credit reports offered on
the internet don't have the required information (File Number,
Confirmation number, or Report number) needed to repair your own
credit. So what happens? You try your best to launch a dispute
(with the wrong credit report), you find it impossible, you spend
more money on new reports, you get frustrated, and you finally
give up. Once you have given up, you have saved the credit
bureaus a lot of money-and they even made some off you in the
process!
Below are four tips that will make the process of ordering
your credit reports less intimidating. These tips will also
guarantee that you get the right reports needed to repair your
credit yourself.
First Tip: DO NOT order your credit reports online. There are
over 100 different types of credit reports available on the
Internet and very few can be used to repair your credit. When you
order your credit reports by phone you are GUARANTEED to have the
following; File Number (Trans Union), Confirmation # (Equifax),
or Report # (Experian). Once you have those numbers you can begin
to repair your credit.
Second Tip: When ordering your credit reports by phone, always
choose the option that says you have been declined credit or
employment in the last 60 days. When you choose that option you
might get your credit reports for free. If not, you might have to
pay a small fee.
Third Tip: When ordering your credit reports by phone, choose
to order your report without a score. Your score is not important
at this time since we both know it needs improving and reports
without a score often cost less and are sometimes free.
Fourth Tip: In some cases the credit bureaus will have the
wrong address information on file for you, especially if you have
moved recently. If this is the case, they might initially deny
you access to your report and request that you call and speak to
a representative. Don't get discouraged as they hope you do; stay
the course and make the extra call if you have to--it's worth
it.
The whole report-ordering process will take less than 6
minutes and it's completely automated, so you won't have to speak
to anyone. Make sure you write down the confirmation numbers
after each call for your records. Below are the phone numbers for
each credit bureau:
Trans Union automated phone system Call 800-888-4213.
Experian automated phone system Call 888-397-3742.
Equifax automated phone system Call 800-685-1111.
Once you have received your credit reports from each credit
bureau (Trans Union, Equifax, and Experian), you are armed and
ready to begin repairing your credit.
I highly recommend a do-it-yourself credit repair system like
the one I helped develop - Loan Saver PRO: The One Hour Credit
Repair System; here is a link to their site: http://www.loansaverpro.com.
The Loan Saver PRO system teaches you how to manage the entire
credit repair process and shows you step-by-step how to launch
effective online disputes.
As always, I hope the above information helps, and I wish you
the best in your credit repair efforts.
Todd Disraeli - Loan Savers LLC © 2004-2005
Todd Disraeli has been in the mortgage and credit repair
business for over 10 years. Todd's primary expertise is
consulting with mortgage companies and helping them turn declined
loans into approved loans. Todd uses his extensive knowledge and
experience to help mortgage companies, and their loan officer's,
work smarter and not harder.
Although he might seem controversial at times, he speaks the
truth whether the credit bureaus like it or not. Feel free to
contact Todd directly at tdisraeli@loansaverpro.com.
Todd Disraeli Copyright 2004-2005
MORE RESOURCES:
Clock ticks down on credit bureau class-action dealIndianapolis Star, United States - 46 minutes agoIn a class-action settlement, credit bureau TransUnion has agreed to provide free credit- monitoring services to millions of consumers to settle claims it ... |
MORE COLLEGE CREDITChicago Sun-Times, United States - 10 hours agoDespite the current nationwide credit crunch, the State of Illinois secured $100 million for the student loans by tapping a new source -- credit unions. ... |
Credit - Google News
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