Troubled by credit problems? Try these tips on fixing your
credit.
Did you know that credit repair could be accomplished without
outside help? Your local library may contain the books you would
need to help you rebuild or repair your credit score.
To get started, you need to learn what your credit report says
about you. You can gain this information by writing to each of
the credit bureaus and asking for a copy of your own credit
report. You can do this online by visiting
www.annualcreditreport.com or by writing to one of the three
major credit bureaus.
Credit Report Bureaus to Contact
The following are credit bureaus. They hold on to reports of
your credit history. Write to each for information on how to get
your credit report.
Equifax Credit Information Services, Inc. P.O. Box 740241
Atlanta, GA. 30374 Call Equifax at 1-(800) 685-1111 to order a
credit report by phone. To place a fraud alert on your credit
report with Equifax, call 1(888) 766-0008 Website address is
www.Equifax.com. Trans Union LLC Consumer Disclosure Center P.O.
Box 1000 Chester, PA 19022 Website address is www.Transunion.com
Call Transunion at 1 (800) 888-4213 to only order free credit
reports. Experian National Consumer Assistance Center P.O. Box
949 Allen, TX 75013 Call 1 (888) EXPERIAN to order credit
reports or place a fraud alert on your credit report. Website
address is www.Experian.com How To Review Your Credit Report Be
sure to read up on the directions for correcting your report.
For example, if you find information that does not fit your true
history, you simply need to write and contact the credit
bureaus. Each of them has prepared instructions for reporting
errors. If you find information that is not entirely correct,
you can report this as directed and explain how it is incorrect.
If there is something that you are not familiar with, ask the
credit bureau to give you the name, address and number of the
institution that may be giving a false report. You may be able
to sort it out and fix your credit further.
After all this information has been corrected, submit it to the
designated credit bureaus. Be sure to keep a copy of this
information for yourself as well for your own records. If
anything should get lost in the mail, you'll be able to make a
quick copy and submit it.
You Don't Have To Repair Your Credit Alone
That's how easy it is to actually repair your credit report,
though even this process may be overwhelming. If you find that
you are nervous about going through the process of credit repair
alone, you may ask for assistance. Credit repair companies are
available and for a small fee they can assist you with your
credit repair.
If you choose to try a credit repair company, do be sure to
check out the company before forwarding any money. Check to see
if your credit repair company is registered and bonded as a
credit service organization. You can check with the secretary of
state's office to be sure. Always check that a credit service is
registered before getting involved with or paying any company.
No one should have to suffer with a poor credit score, when it
is simple to get back on track with a few easy repairs. You
don't even have to go at it alone. There is always help
available when you need it.
About the author:
Lee Harrison Credit Restoration is registered and bonded as a
credit service organization with 30 years experience. Naples
Texas http://www.lhcreditrepair.com
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