Learn how to repair your credit, step by step and dig yourself out of debt using the resources you already have

credit repair, debt reduction, credit history, repairing credit, get credit reports, fix credit, bad credit help

  • 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

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    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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