|
How to order the right credit reports needed
to repair your credit.
Believe it or not, a majority of the credit
reports offered on the internet don't have the
required information (File Number, Confirmation
number, or Report number) needed to repair your
own credit. So what happens? You try your best
to launch a dispute (with the wrong credit
report), you find it impossible, you spend more
money on new reports, you get frustrated, and
you finally give up. Once you have given up, you
have saved the credit bureaus a lot of
money&emdash;and they even made some off you in
the process!
Below are four tips that will make the
process of ordering your credit reports less
intimidating. These tips will also guarantee
that you get the right reports needed to repair
your credit yourself.
First Tip: DO NOT order your credit reports
online. There are over 100 different types of
credit reports available on the Internet and
very few can be used to repair your credit. When
you order your credit reports by phone you are
GUARANTEED to have the following; File Number
(Trans Union), Confirmation # (Equifax), or
Report # (Experian). Once you have those numbers
you can begin to repair your credit.
Second Tip: When ordering your credit reports
by phone, always choose the option that says you
have been declined credit or employment in the
last 60 days. When you choose that option you
might get your credit reports for free. If not,
you might have to pay a small fee.
Third Tip: When ordering your credit reports
by phone, choose to order your report without a
score. Your score is not important at this time
since we both know it needs improving and
reports without a score often cost less and are
sometimes free.
Fourth Tip: In some cases the credit bureaus
will have the wrong address information on file
for you, especially if you have moved recently.
If this is the case, they might initially deny
you access to your report and request that you
call and speak to a representative. Don't get
discouraged as they hope you do; stay the course
and make the extra call if you have to--it's
worth it.
The whole report-ordering process will take
less than 6 minutes and it's completely
automated, so you won't have to speak to anyone.
Make sure you write down the confirmation
numbers after each call for your records. Below
are the phone numbers for each credit
bureau:
Trans Union automated phone system Call
800-888-4213.
Experian automated phone system Call
888-397-3742.
Equifax automated phone system Call
800-685-1111.
Once you have received your credit reports
from each credit bureau (Trans Union, Equifax,
and Experian), you are armed and ready to begin
repairing your credit.
I highly recommend a Do-It-Yourself credit
repair system like the one I helped develop -
Loan Saver PRO: for Consumers; here is a link to
their site:
http://www.loansaverpro.com/index-1.html. The
Loan Saver PRO system teaches you how to manage
the entire credit repair process and shows you
step-by-step how to launch effective online
disputes. Loan Saver PRO: for Consumers is
trusted by leading Mortgage companies and
guaranteed to work.
|
