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I put this together to try to help People in their pursuit of Home Ownership. If any information changes (ie, bad links) please let me know. Do you wish a
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FREE CREDIT REPORT - This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. |
 Your Credit and Your Rights...Dispute your Credit Report On-Line (See below)
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs).
One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job.
Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
The Fair Credit Reporting Act (FCRA) is designed to help ensure that CRAs furnish correct and complete information to businesses to use when evaluating your application.
Your rights under the Fair Credit Reporting Act:
You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes. Any company that denies your application must supply the name and address of the CRA they contacted, provided the denial was based on information given by the CRA.
You have the right to a free copy of your credit report when your application is denied because of information supplied by the CRA. Your request must be made within 60 days of receiving your denial notice.
If you contest the completeness or accuracy of information in your report, you should file a dispute with the CRA and with the company that furnished the information to the CRA. Both the CRA and the furnisher of information are legally obligated to investigate your dispute.
You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.
This information is adapted from "Bound for Good Credit" published by the Federal Trade Commission.
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Here's a list of the three main CRA's:
Please note I provide a telephone number however I would suggest checking with the "Home Page" of each credit company to find the particular telephone number that meets your needs. Please let me know if something needs updating.
Please note the CRA's are "most of the time", extremely hard to deal with. Patience and follow up is very important. Looking at credit repair is like a second job. Be very exact on who, what, where, and how of everything you are doing. For example, be sure to keep perfect records regarding your questions and dispute information. Always ask for their full name and/or ID number, and keep records of times, events, what was discussed. Keep a "file" reflecting everything. I know this sounds a little over done, but from my personal experience it's becomes neccessary.
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Trans Union
P. O. Box 1000
Chester, PA 19022
800-916-8800
Home Page
Dispute: If you feel information on your report is inaccurate
Request an online dispute
You must have a copy of your Trans Union credit report to use this on line dispute service.
Get copy here
Be sure to have a credit card ready and when you are issued a Reference number, you provide a password, & etc. Please print or write down the web site address for access and the above information for future reference.
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Equifax
P. O. Box 740241
Atlanta, GA 30374
800-685-1111 To order by phone your credit report
866-763-3464 Must have credit report Ref. number to dispute to live person
Home Page
Dispute: If you feel information on your report is inaccurate.
Request an online dispute
You must have a copy of your Equifax credit report to use this on line dispute service
Get a copy here
Be sure to have a credit card ready and when you are issued a Reference number, you provide a password, & etc. Please print or write down the web site address for access and the above information for future reference.
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Experian
P. O. Box 9595
Allen, TX 75013-9595
888-397-3742
800-493-1058
Home Page
Dispute: If you feel information on your report is inaccurate.
Request an online dispute
You must have a copy of your Experian credit report to use this on line dispute service
Get copy here
Be sure to have a credit card ready and when you are issued a Reference number, you provide a password, & etc. Please print or write down the web site address for access and the above information for future reference.
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 Please be very careful of "POP-UP" ads regarding credit repair. I have heard from very reliable sources that most are not to be trusted. They may lower your payments but they can severely damage your FICO credit score. Please ask my advice before you hire them.
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Credit Services Help?
I have heard from reliable sources that these companies have a "proven" track record. Please note, I am not affiliated with them and can not warrant or guarantee they future performance. They range with different services and different pricing. I provide this infromation as only a sincere coutesy. I would suggest you interview each and decide who you would like to consider.
*Lexington Law - 1-888-596-4997 Web Site Lexington Web Link |
*Credit Line Financing - 1-800-903-2218 Use my name and receive a One hour free consultation. Note: A little more expensive but a superior service. Web Link Click Here | |
