Free Credit Repair Tip

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Free Credit Repair Tip

Free Credit Repair TipsHere is a list of free credit repair tips everyone should know.

The credit bureaus are nothing more than companies which keep records of your credit. That is it. The government or no body has any control over them. There is absolutely no reason to fear them. If you need to contact them for any reason, the addresses are below:

P.O. Box 2002
Allen, TX 75013
(888) 397-3742

Trans Union Corporation
P.O. Box 1000
Chester, PA 19022
(800) 888-4213

Equifax, Inc.
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111

The credit bureaus are required by law to send you a copy of your credit report if you were denied credit at anytime within the past 60 days.

The only legal items you need to get a copy of your credit report is your name, your social security number, and the mailing address where you want the reports to go.

Do not send or give the credit bureaus any additional information they are not requesting. There is no need for them to have it, and it could affect you in a negative way.

Another reason to keep an eye on your credit reports is your credit score. The bureaus will not release exactly how they calculate your credit score. But, we all know a higher score is better. Well, now for the reasons. Lenders are going to start going towards a credit score lending type of system. This would mean that the higher your credit score, the less amount of paper work you will be required to provide and fill out.

Since the credit bureaus are just data collection agencies, they are prone to mistakes. If there is a mistake on the reports you get, just write a dispute to the credit bureau, stating your dispute, what proof you have, and how you want this error corrected. If it is an honest mistake, it will be corrected very quickly.

If the credit bureau can not verify the discrepancy, they must remove it. This can actually work in your favor as companies may not have any records going back that far.

Send your dispute in during a busy time of the year. From the beginning of November, until the end of November is very busy for the credit bureau. People are out Christmas shopping and applying for credit. If you send in a dispute then, the need to process it soon, but are very busy with the volume of credit applications and reporting. If they can not get to your dispute in time, the item must be erased from your credit report.

Those are a few of the free credit repair tips, which can help you in repairing your credit. You can fix your credit yourself, if you have the right tools. And, using a few of these free credit repair tips can lead you in the right direction.

Carmen Reids life mission is to help people overcome obstacles caused by bad credit. For further help, please visit

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