Gian Michael Simmons Productions
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
Follow @GianMichaelSimmons on Linkedin