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A Free Guide: Simple Way To Get Your Credit Reports for FREE

The first thing you should do in repairing your credit is to get your credit reports from three national credit bureaus. Experian, Equifax and Trans Union are the most popular credit bureaus where the local and regionalcredit cards companies get most of their information from.

At this time, annual credit report is the one source to get your free annual reports. You can also get your FICO score with all three credit reports. Their

You are entitled to get your credit reports once every year and anything that they ask you to pay, even for processing fees should be questioned closely.

It is much better to get your credit reports FREE from the site above but if you prefer to do it by mail for whatever reason, include your full name, current address (and previous addresses if you have been at your current adress less then three years) and social security number, and proof of address (Cable,Utility, phone bills cell phone bill won’t work) and send to the following addresses:

Experian
(800) 682-7654

P.O. Box 2104

Allen, TX 75013-2104

Equifax

(800) 685- 1111

P.O. Box 105873

Atlanta, GA 30348

Trans Union

(800)888-4213

P.O. Box 390

Springfield, PA 19064-039

After you receive your credit reports.Read then very carefully.

Check for inaccuracies, old and items that don’t belong to you. The older, the account is, the less affect it has on your FICO Score. In order to request adeletion, you need to get a hold of a Credit Report Dispute Form or write a letter to all three credit bureaus ask them to investigate the items.

Disputing items on your credit reports can be a little tricky. It’s always better to seek out a reputable Credit repair service and agency. One way to tell if the credit repair is reputable is to look for a FTC RED FLAG. This means that they are compliant with the rules and regulations of the FTC.

P.S Don’t dispute items on any of the three credit bureaus websites, because they only allow you to dispute an item once.

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