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

More Resources

Unable to open RSS Feed $XMLfilename with error HTTP ERROR: 404, exiting

More Credit Information:

Related Articles

Errors on Your Credit Report: What You Should Do
There are times when you may be turned down for credit and you do not understand why. According to the Fair Credit Reporting Act you are entitled to a free copy of your credit report if you have been denied credit because of negative items on your credit report within 60 days of the request for credit, if you are unemployed but looking for work, are on welfare, or believe that your credit report is incorrect because of fraud.
Improving Your Credit Report
Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well.
Credit Card Rates - Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can.
How To Prevent Fraudulent Credit Card Transactions
What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies?Customer wants to pre-pay for a yearDomain Name Registration for 5 years or moreOrders using free email address providers like Hotmail, Yahoo, etc.Usage of multiple cards to complete order.
My Student Credit Card Adventure
And some practical advice too!My first credit card?I remember my college days when it seemed there was a credit card advertisement on practically every bulletin board on campus. The banks would travel to the college and set up application booths on registration day.
Is Your Credit Score Costing You Money?
Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses.
Credit Repair, How To
Credit repair, is in a word, vital to reestablishing your credit. Unless you plan to never use your credit again, then you have to find a way to fix it.
Finding Reputable Credit Card Companies
You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure.
Commercial Collections: Business Finance Booster Shot
Commercial collections: fixture of the new B2B cultureIf you're in the business-to-business field, or even if you're a consumer products business that works through third-party distribution channels, you probably know what it's like to check your mail anxiously each day, sifting through all the bills for that payment that was supposed to have been in months ago.It wasn't supposed to be like this.
5 Ways To Raise Credit Score
It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards.
Tackling Bad Credit
The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didn't even know that a credit record of our transactions is prepared by some credit reference agencies.
Cash Advance - How Does It Work?
If you want a cash advance or a payday/paycheck loan, you usually get a personal check. Some companies use your bank account or credit card in addition to or instead of a check.
Credit Repair Companies and Credit Counseling
Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.
The FICO Score Misconceptions
There are many misconceptions about credit scores out there. There are borrowers who believe that they don't have a credit score.
Identity Theft - How to Protect Yourself
"Like the tan? I got tons of sun on that Caribbean cruise. First class tickets to Florida and back! Nope, not an airline upgrade.
SuperCharged Secret 2, Credit Card Utopia
INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!Note: The following is part 2 of a 5 part series, Over the course of these 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you've ever seen before.
Beware the Shopping Mall Monster
Like me, you've probably been offered a fair old number of these by now..
Free Credit Reports: From The 3 Major Credit Bureaus!
Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or omissions.
Identity Theft - Who Would Want Mine?
With all my bills who would possibly want my credit? Let them steal my identity and pay my bills! Unfortunately, that's not the way it works. Many of us mistakenly believe that identity thieves hit only the wealthy.
Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report
Raising your credit score can be a fairly simple and straightforward process unless you have derogatory marks that need to be disputed (which will be explained below).The reasons for bad credit can be as follows, high balances, bankruptcies, late payments, and many others.