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Credit Repair and Improvement

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Submitted By jacobs1
Words 9910
Pages 40
Reading Your Credit Report
John R Scott
Everyonew ritesa rticlest o inform consumerosf the impoftanceo f credita ndk eepingi t
"clean".T his is not oneo f thosea rticlesd isguiseudn dera "CreditR epair"t itle thatd oes notg ivey ou vital informationo r just vaguer amblings.
In this serieso f articlesy ou will frndw ayst o not only repairi temso n your creditr epofi, you will learn how to improve your credit rating quickly andfor very little, to no costs.
You will learnh ow to ready our creditr eporta ndu nderstandit. Evenp ersonsw ith great creditr atingsc anu set heset echniquetso improvet heir scoresw ith the creditb ureaus.
Understandinhgo w to obtaina ndr eada creditr eporti s the first stepi n understanding how you will be able to improve and repair what is on it. These are the 3 major credit reportinga genciesw hich 99o/o f theb ankso ut thereu set o determineif they areg oingt o give you credit:
Experian
www.experian.com
1-888-397-3742
Equifax www.equifax.com l -800-685-1l I 1
TransUnion
www.transun i on.com/d irect
I -800-888-4231
You can obtain a copy of your credit report from any one of these agencies, all three would be preferable, one may have information the other does not.
Once you obtain a copy of your credit report, you can verify that all information is correct, such as your social, birth-date and address and employment.
Know your scores and what is on your report. You have a right to receive a FREE copy ofyour credit report once every year.
You can get it from: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm
You can also get a free copy of your credit repoft if you are tumed down for credit. A creditor is obligated by law to release the name of the bureau that they based their decision on, and you can call that bureau with the creditors denial letter and they are obligated to send you a free report. (Don't

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