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| CEO & President Y. English shows how deleting one simple negative phone bill added 144 points to a clients credit. |
You can get your report online as well as through mail and you can then use it for credit repair.
For getting it online, you need to use the Annual Credit Report
website. This is where you can get the reports for free from one or all
of the credit agencies. You need to make sure that you provide accurate
information in this website so that you get the correct report. This
website would ask you for your personal information including name,
address, date of birth and SSN as well. Once you have supplied this
information, then you can select which reports you want (whether from
one credit bureau or all three of them)?
All your credit information and negative
activity gets reported to the three credit agencies which are
TransUnion, Experian and Equifax. It is good practice for you to do
regular credit repair on a periodical basis so that you can correct any
discrepancies in the report by raising it as a dispute with associated
documentation. The FCPA act makes it free for any person to get his
credit report from any or all of the credit agencies once a year. You
need to make sure that you make full use of this and get your reports on
an annual basis and study it carefully for any discrepancies.
Once you have specified this, you will
then be redirected to the appropriate website of the credit bureau and
there you can view your credit report. Make sure that it is your report
that you are viewing and also study it very carefully for any items
which may appear as discrepancies. It is very much possible that the
report from the 3 agencies would be different from each other as it is
not necessary for any creditor to report the activity to all 3 agencies.
He can choose to report it to only one agency and this can lead to
discrepancies across the 3 reports. This is ok as long as the
information is true.
There might be a couple of other
alternatives to the annual credit report website and if you feel like
it, you can get the report from there as well. The reports are necessary
for credit repair and so it is better that you get the report in any
way that you like.
You can also choose to receive the free
report by mail. For that, you need to visit the FTC government website
or call their toll free number and place a request to get the annual
credit report request form. Once you have received the form, fill up the
details in there. As in the online form, this form would also require
you to fill up your personal information like your name, address, DOB
and SSN. Make sure that all this information is correctly specified and
then you need to mail it to the Annual Credit Report Request Service
located in Atlanta. After this is done, you have to then wait for you to
receive the free credit report by mail.
Whichever way you choose to receive the
report, make sure that you study it and mark off the items that contain
wrong information so that you can do credit repair. Raise these as a
dispute to get it corrected so that you can maintain a good correct
credit score and avoid the hassles that may arise later.
