Repair Credit Score

Posts Tagged ‘Credit Bureaus’

Do these bad Credit Repair techniques work?

Sometimes, sending a lot of Credit Report dispute letters to credit bureaus works and the disputed items are actually removed from your Credit Report. However, it only works temporarily. If you actually find errors on your Credit Report, then you have nothing to worry about. However, if you are disputing your Credit Report items without real cause, you may be committing a crime. Even if the Credit Repair company is the one sending all these dispute letters, it is still your name on the dispute letters, not theirs. What does this mean? It means, you are committing crime, not them.

Why does this only work temporarily?

Since the creditors who put negative information on your Credit Report have not been paid, they will continue to put more negative information on your Credit Report.

So what do I do to repair my credit? What are good Credit Repair techniques?

You can repair your credit and repair your Credit Score the legal ways. For example, if the creditors put negative information on your Credit Report, you can talk to them and ask them to take the negative information off your Credit Report. This doesn't work every time and it depends on how convincing you are and who you talk to.

Also, you can correct items on your Credit Report that are incorrect. To improve your Credit Score and Credit Report, you can also ensure that your credit report contains items that creditors like to see when trying to approve you for loans. We also discuss various ways to repair your credit and repair your Credit Score on this website.

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How to contact the three biggest credit reporting agencies?

Below are different ways to contact the three major credit bureaus.

Equifax

• To order your Equifax Credit Report, call: 800-685-1111
• To report fraud on your Equifax Credit Report, call: 800-525-6285
• To write to Equifax credit bureau, write to: P.O. Box 740241, Atlanta, GA 30374

Experian

• To order your Experian Credit Report, call: 888-EXPERIAN (397-3742)
• To report fraud on your Experian Credit Report, call: 888-EXPERIAN (397-3742)
• To write to Experian credit bureau, write to: P.O. Box 2104, Allen, TX 75013

TransUnion

• To order your TransUnion Credit Report, call: 800-888-4213
• To report fraud on your TransUnion Credit Report, call: 800-680-7289
• To write to TransUnion credit bureau, write to: P.O. Box 2000, Chester, PA 19022

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TransUnion

TransUnion credit reports are similar to the Experian credit reports, but are visually more friendly with buttons illustrating past due dates. Information on TransUnion credit reports include:

• Personal Information. Personal Information includes your address, Social Security number, and employment information.
• Public Records. Public Records in TransUnion credit reports show bankruptcies, liens, and judgments.
• Adverse Accounts. These are accounts that are past due or negative. Note the key above this that shows the meaning of the buttons.
• Satisfactory Accounts. These are your accounts that are not past due or negative.
• Regular Inquiries. These are inquires into your credit standing that affect your credit rating.
• Credit Inquiry Analysis. These are requests for your Credit Report by people who provided information about you when inquiring about your Credit Report or Credit Score.
• Promotional Inquiries. These are inquiries that do not affect your credit rating.
• Account Review Inquiries. These are companies that reviewed your account when you requested it or in order to do a transaction with you (such as paying off an account balance).
• Consumer Statement. This is the space for the statement you can provide that explains your report.
• Special Messages. Alerts about identity fraud would appear here.