Silence is never golden when it comes to your credit report. And just because you ignore it doesn't mean it will go away or heal itself. You have to be engaged, plugged in, in control and informed to maximize your ability to change it for the better.
That process begins with you getting a copy of your credit file from the agencies that are oh so willing to give it out to everyone else it seems. This is a simple process that can be accomplished as easily as writing a letter and requesting it.
First figure out who has it. If you're like most people it probably can be found at one and probably all three of the "Big Three" credit reporting agencies. They are Equifax, Experian and TransUnion. There are several smaller local credit reporting agencies but most are connected with the Big Three.
The cost of your credit report varies from state to state and can be found at their respective web sites listed below as well as their addresses. It is usually $8.00 or less.
Experian www.experian.com
A copy of your credit report can be ordered by phone at 1-800-397-3742 and can be paid for by Visa or MasterCard. It will be mailed to you within 48 hours. You can also contact them by writing to:
Experian National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013-2104
A printout form can be accessed at their web site.
- You can also receive this report free if:
- You have been denied credit, employment, insurance or rental housing based at least in part on info in your Experian credit report.
- You're a resident of Colorado, Georgia, Massachusetts, Maryland, New Jersey or Vermont.
- You are unemployed, a victim of fraud or on welfare.
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Troy Fullwood is an award winning speaker, self made millionaire, educator, and coach. He has presented keynote speeches, workshops, and seminars throughout the United States. His high quality, high content, high energy programs are well researched and delivered in a down to earth style that everyone will remember.articlepostrobot.com}}} . David also has a directory submission service.
