Credit Repair Advice Tip Number 1: Get to know your Credit Score!

In order to give yourself credit repair advice, it is essential to understand your credit score and know where you stand.

Step 1 - Get a Copy of Your Credit Report

Did you know that the 'free' credit report you get is not the same credit report
a lender gets?

The best source is to see if you can get your lender to provide you a copy. If you know the lender, they should give you a copy if you ask...some may not provide that to you and if so you can obtain each of your reports from each one of the major three credit bureaus:

Equifax, Experian, and TransUnion.

You are legally entitled through the 2003 Fair and Accurate Credit Transactions Act (FACTA) to one free credit report per year from Annual Credit Report Request Service, a joint venture between the three major bureaus. They can be contacted at:

Annual Credit Report Request Service
P.O. Box 105283
Atlanta, GA 30348-5283
1–877–322–8228
Online at www.annualcreditreport.com

You may only get one report free per year from each of the bureaus—
any more than that will cost you. You may also purchase your reports from
independent site online such as www.myfico.com or contact the bureaus
directly using the information listed below:

● Equifax: 1-800-685-1111 or Online at www.equifax.com
P.O. Box 740341, Atlanta, GA 30374

● Experian: 1-888-397-3742 or Online at www.experian.com
P.O. Box 2002, Allen, TX 75013

● TransUnion: 1-800-888-4213 or Online at www.transunion.com
2 Baldwin Pl., P.O. Box 1000, Chester, PA 1902213