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Good credit report info...

2K views 10 replies 6 participants last post by  R1up0n1 
#1 ·
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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#3 ·
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.

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#8 ·
SVupON1 said:
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.

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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.
 
#11 ·
rworkman98 said:
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.
 
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