Credit Reports

Gian Michael Simmons Productions

Credit Reports

Today’s goal is to order your free credit reports. It’s important to order all 3 reports. It is also important to note that your information may vary on each report. Know your rights to ensure accurate credit reporting. Most agencies allow you to dispute inaccuracies by phone, online, or mail. If appropriate and needed, place fraud alerts which will notify you when someone accesses your credit file. You can also place a credit freeze, which will freeze access to your credit file.

You don’t need to pay money to have someone fix your credit. It’s a simple process. Check your report regularly. Make payment arrangements to clear debts. If you have a judgement on your reports, you can visit the court jurisdiction, where it is filed, and the court clerk can walk you through steps to file an “order to show cause” which is a court filing to vacate the judgement and allow you an opportunity to make payment arrangements. Pay what you can even if it’s only $1. Pay as agreed and they have to report your payments. This will show that you are making attempts to pay off your debt, even if you can’t make the desirable payment amount. Pay something. It will increase your score. Also, check your report every month. It is also recommended to keep your credit usage below 10% of your available credit. The lower the better.

Save more, spend less, and clear your debts.

An alternative to credit cards are prepaid debit cards, which you are using your own money to establish credit. I recommend getting one and paying your bills with it. This will also improve your credit. Don’t maintain high balances. Pay it off, as you get paid and credit companies will convert your card to non-secured once you establish good payment history. Also, avoid having your credit ran too often. This is a hit to your credit unless it’s a “soft hit”.

follow these simple steps and you will see improvement.

The three major credit reporting agencies are Equifax, Trans Union, and Experian.

Your Equifax Mailing Address

Equifax Credit Information Services, LLC

P.O. Box 740241, Atlanta, GA 30374

Equifax Phone Numbers:

866-349-5186: Dispute Credit Report Items

800-685-1111: Request Free Credit Report

888-766-0008: Place Fraud Alert on Profile

866-493-9788: Existing Customer Support

888-202-4025: Business Solutions

404-885-8078: Fax Number

Experian Mailing Address

Experian National Consumer Assistance Center

P.O. Box 4500, Allen, TX 75013

Experian Phone Numbers:

800-509-8495: Dispute Credit Report Items

888-397-3742: Report Requests & Fraud Help

877-284-7942: Existing Customer Support

888-243-6951: Business Credit Services

972-390-4908: Fax Line

TransUnion Mailing Address

TransUnion Consumer Relations

P.O. Box 2000, Chester, PA 19016-2000

TransUnion Phone Numbers:

800-916-8800: Disputes Items & Status Checks

877-322-8228: Free Annual Credit Report

800-888-4213: Purchase Credit Report

888-909-8872: Place a Security Freeze

800-493-2392: Credit Monitoring Customer Support

866-922-2100: Business Services Assistance

610-546-4771: Fax Machine

Free Annual Credit Report

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