How to Order the Right Credit Reports to Repair Your Own Credit

In this week's article, I am going to offer some tips and insight regarding how to order the right credit reports needed to repair your credit.

Believe it or not, a majority of the credit reports offered on the internet don't have the required information (File Number, Confirmation number, or Report number) needed to repair your own credit. So what happens? You try your best to launch a dispute (with the wrong credit report), you find it impossible, you spend more money on new reports, you get frustrated, and you finally give up. Once you have given up, you have saved the credit bureaus a lot of money-and they even made some off you in the process!

Below are four tips that will make the process of ordering your credit reports less intimidating. These tips will also guarantee that you get the right reports needed to repair your credit yourself.

First Tip: DO NOT order your credit reports online. There are over 100 different types of credit reports available on the Internet and very few can be used to repair your credit. When you order your credit reports by phone you are GUARANTEED to have the following; File Number (Trans Union), Confirmation # (Equifax), or Report # (Experian). Once you have those numbers you can begin to repair your credit.

Second Tip: When ordering your credit reports by phone, always choose the option that says you have been declined credit or employment in the last 60 days. When you choose that option you might get your credit reports for free. If not, you might have to pay a small fee.

Third Tip: When ordering your credit reports by phone, choose to order your report without a score. Your score is not important at this time since we both know it needs improving and reports without a score often cost less and are sometimes free.

Fourth Tip: In some cases the credit bureaus will have the wrong address information on file for you, especially if you have moved recently. If this is the case, they might initially deny you access to your report and request that you call and speak to a representative. Don't get discouraged as they hope you do; stay the course and make the extra call if you have to--it's worth it.

The whole report-ordering process will take less than 6 minutes and it's completely automated, so you won't have to speak to anyone. Make sure you write down the confirmation numbers after each call for your records. Below are the phone numbers for each credit bureau:

Trans Union automated phone system Call 800-888-4213.

Experian automated phone system Call 888-397-3742.

Equifax automated phone system Call 800-685-1111.

Once you have received your credit reports from each credit bureau (Trans Union, Equifax, and Experian), you are armed and ready to begin repairing your credit.

I highly recommend a do-it-yourself credit repair system like the one I helped develop - Loan Saver PRO: The One Hour Credit Repair System; here is a link to their site: http://www.loansaverpro.com. The Loan Saver PRO system teaches you how to manage the entire credit repair process and shows you step-by-step how to launch effective online disputes.

As always, I hope the above information helps, and I wish you the best in your credit repair efforts.

Todd Disraeli ? Loan Savers LLC © 2004-2005

Todd Disraeli has been in the mortgage and credit repair business for over 10 years. Todd's primary expertise is consulting with mortgage companies and helping them turn declined loans into approved loans. Todd uses his extensive knowledge and experience to help mortgage companies, and their loan officer's, work smarter and not harder.

Although he might seem controversial at times, he speaks the truth whether the credit bureaus like it or not. Feel free to contact Todd directly at tdisraeli@loansaverpro.com.

Todd Disraeli Copyright 2004-2005

---

The Next Person With Credit Problems Got Their First Credit Card Today!

One of the focus areas of my information is the... Read More

Student Credit Cards 101

Almost all students have and use student credit cards. Some... Read More

5 Things Your Credit Card Company Keeps Quiet About

Credit Cards can bankrupt you if you let them run... Read More

How Creditors Measure Your Credit Rating

Creditors will measure your credit rating based on the following... Read More

Improving Your Credit Report

Even if you think you have a wonderful credit report,... Read More

How You Can Avoid Becoming A Victim Of Identity Theft

To reduce or minimize the risk of becoming a victim... Read More

A Debt Mentality

While working through my own debt situation, and helping others... Read More

Why Is It important!

Your credit is the most important thing you have other... Read More

Bad Checks, Bounced Checks, & NSF Checks

Negotiable instruments like checks and drafts have become an indispensable... Read More

Understanding the Process of Credit Counseling

Many of us have seen the advertisements on television. "Get... Read More

Rate Tarts Losing Ability to Cherry Pick

A "rate tart" is someone who switches from one zero... Read More

Ethical Finance: Who Benefits From Our Spending?

On one hand consumers are being universally criticised for running... Read More

Sound Advice For First Time Credit Card Users

If you are just entering the world of credit cards,... Read More

10 Step Credit Repair Guide

The process of clearing credit can be laborious and frustrating,... Read More

Credit Card Debt: One Way To Avoid It

One of the biggest problems people have in these modern... Read More

Warning: Free Credit Report Imposter Websites Springing Up on the Web

A recent amendment to the federal Fair Credit Reporting Act... Read More

Easing Your Financial Burdens With Credit Counseling

It is a well-publicized fact that more of us are... Read More

Annual Credit Report and Free Annual Credit Report

Getting an annual credit report review has been the advice... Read More

Do You Want to Get a New Credit Card at a Great Rate?

1) Do your homework. Applying for and getting approved for... Read More

What Is A Credit Report?

Even if you have heard of a credit report, you... Read More

Credit Repair Scam - How To Avoid Being A Statistic?

A good credit history is critically important for the consumer.... Read More

Building Good Business Credit After Bad Credit

Can you establish good business credit if you have bad... Read More

All Is Fair In Love, War, and, Your Credit Report - At Least It Should Be! Understanding the FCRA

Fact: Over 150 million Americans have credit report with the... Read More

Make Sure Your Credit Report Is Correct to Improve Your Interest Rates And Lower Insurance Premiums

Did you know that you could make sure to get... Read More

Identity Theft - How to Protect Yourself

"Like the tan? I got tons of sun on that... Read More