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Brought to you by Channel 8/KLAS
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CREDIT SERVICES
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Beware of
Credit Service Organizations that make the claim
that they can repair your credit and remove bad
debt information from your credit report.
Credit Service Organizations can only request
payment arrangements with your debtors and
assist you in writing a letter to report any
erroneous information from your credit report to
the appropriate credit reporting agency. “But
they can’t fix your credit or remove accurate,
verified owed debts.
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Request your free credit
report annually. (Note: If you are
declined credit, you can request, from the
business, the name of the agency to get a
copy of that report.) |
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Free once-a-year credit
report from all three agencies –
http://www.annualcreditreport.com
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Transunion, Fraud
Victim Assistance Department -
1-800-680-7289 - PO Box 6790, Fullerton, CA
92834 |
http://www.transunion.com
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Equifax Credit Information
Services, Consumer Fraud Division -
1-800-525-6285, PO Box 105069, Atlanta, GA
30348|
http://www.equifax.com
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Experian, National
Consumer Assistance - 1-888-397-3742 - PO
Box 1017, Allen, TX 75013 |
http://www.experian.com
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Review your credit report to
make sure it does not contain any
inaccuracies derogatory entries, if so, you
can challenge it. |
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Order a FICO report annually,
and be informed that it is separate from the
credit report, and there is a fee for this
report. |
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If
you can negotiate a payment plan, make sure
they report what is agreed. |
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| February
8, 2008 |
Archives |
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