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How to Repair Credit:
by Lisa Phillips
About Us
credit repair,credit cards,free credit reports,bad credit loans
More Topics:      Rebuild Scores        Bad Credit Cards         Debt Statute of Limitations         Get Deletions
2. Get Recent Copies of your Credit Reports

There are three major credit reporting agencies that you will need to obtain a credit report from
in order to begin the dispute process. The three major credit bureaus are Experian, Trans Union
and Equifax. The reason you need all three credit bureau reports is that not all credit reporting
agencies contain the same information.

Your creditors may report to one, two or all three of the major credit bureaus. Each of your credit
reports may contain different information. Whether you embark upon do-it-yourself credit repair
or utilize a professional service, you will need all three of your credit reports. Keep in mind each
credit report from each credit bureau may contain different information; therefore, you must get
all three credit reports.

A quick and convenient way to get your credit report is online through a third party,
Check your
Credit Report and Score – Fast, Free & Easy at CreditReport.com. Additional options to get your
credit reports:

1. Request your credit reports directly from the credit bureaus via telephone or online. The cost
of ordering your credit reports will be different for each credit bureau.

2. In accordance with the Fair and Accurate Credit Transactions Act (Fact Act), you are entitled
to a free credit report every 12 months from the three major credit reporting agencies. You may
order your credit reports online from Equifax, Experian and Transunion at
Annualcreditreport.
com. Annualcreditreport also offers options to request your credit reports by U.S. mail.

3. If you are denied credit, insurance or employment in the last 60 days you are entitled to a free
copy of your credit report from the credit reporting agency listed on your denial letter.

How to get a Free Credit Report
How to Order Your Credit Report

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