The first steps to repairing your credit is to order a copy of your credit report. You should do so with all three credit bureaus. I have listed contact information for all three credit bureaus below.
Experian plc is a multinational consumer credit reporting company. Experian collects and aggregates information on over one billion people and businesses including 235 million individual U.S. consumers and more than 25 million U.S. businesses. Wikipedia
Experian
P.O. Box 2104
1-888-397-3742
Allen, Texas 75013
www.experian.com
Equifax Inc. is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion. Equifax collects and aggregates information on over 800 million individual consumers and more than 88 million businesses worldwide. WikipediaCustomer service: 1 (888) 548-7878
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
TransUnion is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including “200 million files profiling nearly every credit-active consumer in the United States”. Its customers include over 65,000 businesses. Wikipedia
TransUnion
P.O. Box 2000
Chester, PA 19022-2000
1-800-916-8800
www.transunion.com
Each agency gives you one free credit report per year. You can get yours by ordering online, by mail, or request one over the phone. Or you can order them all at once with the “Annual credit Report Request Form”
Annual Credit Report Request Form
The form is available on http;//ftc.gov/credit and www.annualcreditreport.com, or by mail at Annual Credit Report Request service , P.O. Box 105281, Atlanta GA 30348-5281. There number is toll-free 877-322-8228
If you decide to mail the form and filling it out by your own hand writing, be sure that the form includes everything and is not missing one thing. if you do not like to give out your personal info like social security number, date of birth, etc, then you must know they will not honor your request. Do not be alarmed because you are requesting your info that they already have, they have to make sure it is you.
If you choose to check your credit report online, the official site will walk you through each of the three major credit bureaus. Simply visit www.annualcreditreport.com, select your state, and enter your personal information. You can then choose which credit reporting agencies—Experian, Equifax, and TransUnion—you want to receive your free credit report from