|
Avoiding Bankruptcy
|
Credit Bureaus |
|
|
||
|
Equifax 800-685-1111 P.O. Box 740241 Atlanta, GA 30374-0241 www.Equifax.com Experian 800-682-7654 P.O. Box 2002 Allen, TX 75013 www.experian.com Trans Union 800-851-2674 P.O. Box 1000 Chester, PA 19022 www.transunion.com NOTE: The addresses of creditors on these reports may not be the correct addresses so you need to follow up and call the companies. Whenever you contact the creditors or the credit bureaus try not to give them your phone number or address. They would love to have it to harass you. They will probably ask for your social security number to be sure they are giving the proper information to the proper person. NOTE: Your lawyer can also get this information for you but they charge $50.foreach credit report. You can save by doing it yourself. Most people don’t realize if you see something on your credit report that has nothing to do with you or there has been an error, you can send proof to them along with a letter. They will determine if an error has been made and correct it. So go to work and pull any paperwork you have that will show the bottom line on what you owe and to whom. DO NOT SEND THE ORIGINALS…MAKE COPIES. You can also contact the credit bureaus with information about the good things you have done to rebuild your credit. If you purchase something and make timely payments and it doesn’t show up on your credit report, make copies of each payment made (showing balance) and mail it to them. Make sure you talk to the creditor and if they won’t send the information, ask them if it’s ok if you do it. They may make you a print out of all your payments and payment information. You don’t want anyone who acts negative contacting them in your behalf. After you have sent the information give the credit bureau a call to see if they updated your report and the date they did it.
|
||
|
|
||
|
2008© First-Bankruptcy.com |
||