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5 Surefire Ways To Eliminate Credit Card Debt
Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an...
Bad Credit Debt Consolidation Loans - Getting A Debt Consolidation Loan, Even With Poor Credit
An online debt consolidation loan allows even people with a poor credit to reduce their overall monthly payments and regain their financial footing. While there are personal loans that allow you to do this, tapping into your home's equity is a...
Consumer Action: Putting The “Freeze” On Credit Files
In the wake of 40 million MasterCard, Visa, Discover, and American Express accounts recently being breached, consumers and legislators are scrambling for ways to protect their personal and financial information from being hijacked and used...
Finding the Right Bad Credit Loan UK
If you live in the United Kingdom and find yourself in need of money but lacking in credit, you might want to consider applying for a bad credit loan UK . These loans often are offered in a variety of different ways, from secured loans to unsecured...
Option Trading Tips - Credit Spread Magic
You may or may not have heard of credit spread option trading but they can be used to profit in bullish, neutral or bearish conditions. They are a cashflow generating strategy that involves both the buying and selling of either calls or puts of...
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Ordering the Right Credit Reports to Repair Your Credit
In this week’s article, I am going to offer some valuable tips and insight regarding 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—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.
As always, I hope the above information helps, and I wish you the best in your credit repair efforts.
About the Author
Todd Disraeli has been in the mortgage and credit repair business for over 10 years. Todd's primary expertise is consulting with mortgage companies and helping them turn declined loans into approved loans. Todd uses his extensive knowledge and experience to help mortgage companies, and their loan officer’s, work smarter and not harder.
Although he might seem controversial at times, he speaks the truth whether the credit bureaus like it or not.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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