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

In The News:

pen paper and inkwell


cat break through


Which Business Credit Cards with Reward are the Best?

Thinking of applying for a credit card with a reward... Read More

Understanding the Function of Credit

What is Credit?Credit is the backbone and the engine behind... Read More

Credit Cards: Pros and Cons

Sure, there are a lot of problems with credit cards,... Read More

Building A Credit Report Lenders Will Love You For

Will lenders really love you for having a good credit... Read More

Five Credit Card Billing Problems and How to Fix Them

It goes without saying that your first and best defense... Read More

All You Wanted to Know of Bad Credit

Martin Henderson is in a fix these days. Because of... Read More

Debt Collection Agencies

Debt collection agencies are often a viable option for receiving... Read More

10 Tips To Prevent Credit Card Fraud

Imagine opening your credit card statement one morning and discovering... Read More

Commercial Collections: Business Finance Booster Shot

Commercial collections: fixture of the new B2B cultureIf you're in... Read More

Credit Repair Myths and Facts

There are no secrets to repairing your credit. Many shady... Read More

Bankruptcy vs. Credit Counseling: What Should I Do?

Credit Counseling and bankruptcy are both ways to relieve the... Read More

Secured Credit Cards- Consumer Tips

Whether you have no credit or damaged credit, secured credit... Read More

Understanding the Process of Credit Counseling

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

What You Need to Know About Interest Rates

For all people shop around for the best rate, there... Read More

Credit Repair Kit Sound To Good To Be True? It Is.

A lot of people have bad credit. It is unfortunate... Read More

Why Does Your Credit Card Rate Keep Going Up?

Have your read your credit card contract through completely? Do... Read More

Warning: Todays Non Profit Credit Counselors Are Yesterdays Bill Collectors!

Here's a dirty secret, today's "non profit credit counselors" are... Read More

SuperCharged Secret 1 of 5 - Credit Card Utopia

I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!Note: The... Read More

FREE Credit Report Offer - Careful, It Might Carry Hidden Charges

FREE credit checks or free credit reports. What are they... Read More

Small Business Credit Cards

So what do you look for when applying for a... Read More

Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report

Raising your credit score can be a fairly simple and... Read More

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days

In Less Than 30 Days. "What can you do to... Read More

Protect Yourself Against Identity Theft

Identity theft is when someone uses, without permission, your personal... Read More

Cutting Credit Card Costs

What are the APRs charged by the credit cards in... Read More

SuperCharged Secret 3, Credit Card Utopia

TURBO-CHARGED KILLER RATE SAVING INFORMATION!Let's just take a brief moment... Read More

Like It Or Not, You Have A Score To Settle!

Like It Or Not, You Have A Score To Settle!... Read More

Free Credit Report ? A Website Typo Could Be Costly

In 2003, Congress passed the Fair and Accurate Credit Transactions... Read More

Preventing Credit Card Mess

Credit card debts problem is extremely common today. It is... Read More

Credit Card Expenses Are Killing Your Budget!

Do you know the costs associated with your credit card?... Read More

Online Credit Report and Online Credit Reports

Online credit reports are easily accessible to those interested in... Read More

Credit Reports ? Why Your Credit Score is Important

If you have never heard of a FICO score before,... Read More

What Can Happen to You as a Victim of Identity Theft, Facts & Figure

Is identity theft really that serious? Thousands of people every... Read More

Credit and Loan Help for Mortgage Loans

Mortgage loans are some of the most difficult loans to... Read More