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    • Credit Repair 101- Step 1

      Week 1: Introduction to Repairing your Credit



      Step 1: Request a Copy of your Credit Report from each of the 3 major credit reporting agencies.

      Here is a sample request letter that you can use to send for your credit report at each of the 3 major credit reporting agencies. You'll need a copy of each report before you can start to repair your credit.

      Equifax
      Equifax Credit Information Services, Inc
      P.O. Box 740241
      Atlanta, GA 30374
      To order report: 1-800-685-1111
      To report fraud: 1-800-525-6285
      Web site: www.equifax.com


      Experian (formerly TRW)
      National Consumer Assistance Center
      PO Box 2002
      Allen, TX 75013
      To order report: 1-888-397-3742
      To report fraud: 1-888-397-3742
      Web site: www.experian.com

      TransUnion LLC
      Consumer Disclosure Center
      P.O. Box 1000
      Chester, PA 19022
      To order report: 1-800-888-4213
      To report fraud: 1-800-916-8800
      Web site: www.transunion.com
      Comments 6 Comments
      1. jleesalazar's Avatar
        jleesalazar -
        Can not open/view the Sample Request Letter. Can someone please help
      1. jleesalazar's Avatar
        jleesalazar -
        Thank you for fixing it but now when I download it and try to open it in Adobe Reader. It tells me that it is either not a supported file or it was damaged through email and wasn't decoded correctly.
      1. FreebieQueen's Avatar
        FreebieQueen -
        Quote Originally Posted by jleesalazar View Post
        Thank you for fixing it but now when I download it and try to open it in Adobe Reader. It tells me that it is either not a supported file or it was damaged through email and wasn't decoded correctly.
        So sorry, just re-uploaded it and downloaded it to test, works fine now.
      1. jleesalazar's Avatar
        jleesalazar -
        Thank You!!
      1. NebraskaGirl's Avatar
        NebraskaGirl -
        To make life easier for us, the Federal Trade Commission offers many helpful articles at Federal Trade Commission | Protecting America's Consumers
        Under "I would like to.." they offer a link to "Get a free copy of my credit report" which states:

        You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity

        annualcreditreport.com is super easy and time saving without having to worry about companies that are trying to make a profit off you. Request one every year!
      1. Marmic's Avatar
        Marmic -
        How do you find step 2?


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