Good credit report info...

The 3 big ones: http://www.equifax.com/ http://www.experian.com/consumer/index.html http://www.transunion.com/index.jsp Get your free credit report once a year: DO THIS! https://www.annualcreditreport.com/cra/index.jsp Fraud alert: this is a good thing to have... https://www.experian.com/consumer/cac/InvalidateSession.do?code=SECURITYALERT Opting out: For phone number style http://www.experian.com/preapproved_credit/opting_out.html Website opt out: DO THIS!!! 5 years at least!! https://www.optoutprescreen.com/?rf=t Just wanted to give out some usefull links. Hope they are helpfull!

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I had a round of this last year...I am going to post up a great sample letter that I wrote all 3 credit bureau's over a case that I had. This actually worked and was cleared off my credit history. Also another thing...if you have paid something off..make sure you tell that agency, store, credit card or what ever...to call all 3 bureau's to let them know it is paid and clear. Still write the letters tho. Attachment:

SV This shiot happens all the time.

SV This shiot happens all the time. yeah I know...but I figured I'd at least put up a good sample letter for people to look at and know how to write the letter. :2cents:

All good stuff!

Good info :dthumb:

I had a round of this last year...I am going to post up a great sample letter that I wrote all 3 credit bureau's over a case that I had. This actually worked and was cleared off my credit history. Also another thing...if you have paid something off..make sure you tell that agency, store, credit card or what ever...to call all 3 bureau's to let them know it is paid and clear. Still write the letters tho. Attachment: I'm surprised it worked. From what I hear, it's almost impossible to clear up a mistake like that, and have your credit restored completely.

Gas 100% sure your links not going to crooks website :scratch: Crooks can make websites look legit ;)

All the links were from the big 3 credit agencies... nothing I searched for on the net.

I'm surprised it worked. From what I hear, it's almost impossible to clear up a mistake like that, and have your credit restored completely. putting things in writing is the only way to get things fixed. Talking on the phone doesn't do a d@mn thing...anyone can deny a phone conversation, however when a document is put in writing and several copies are placed they can't deny that, especially when you send certified mail. :2cents: I also know this worked because when I had a full credit report ran when I got my apartment back in April, this hospital bill wasn't on there anymore.