Todd Disraeli

In this week’s article, I am going to offer some valuable tips and insight
regarding how to order the right credit reports needed to repair your
credit.

Believe it or not, a majority of the credit reports offered on the
internet don’t have the required information (File Number, Confirmation
number, or Report number) needed to repair your own credit. So what
happens? You try your best to launch a dispute (with the wrong credit
report), you find it impossible, you spend more money on new reports, you
get frustrated, and you finally give up. Once you have given up, you have
saved the credit bureaus a lot of money—and they even made some off you in
the process!

Below are four tips that will make the process of ordering your credit
reports less intimidating. These tips will also guarantee that you get the
right reports needed to repair your credit yourself.

First Tip: DO NOT order your credit reports online. There are over 100
different types of credit reports available on the Internet and very few
can be used to repair your credit. When you order your credit reports by
phone you are GUARANTEED to have the following; File Number (Trans Union),
Confirmation # (Equifax), or Report # (Experian). Once you have those
numbers you can begin to repair your credit.

Second Tip: When ordering your credit reports by phone, always choose the
option that says you have been declined credit or employment in the last
60 days. When you choose that option you might get your credit reports for
free. If not, you might have to pay a small fee.

Third Tip: When ordering your credit reports by phone, choose to order
your report without a score. Your score is not important at this time
since we both know it needs improving and reports without a score often
cost less and are sometimes free.

Fourth Tip: In some cases the credit bureaus will have the wrong address
information on file for you, especially if you have moved recently. If
this is the case, they might initially deny you access to your report and
request that you call and speak to a representative. Don’t get discouraged
as they hope you do; stay the course and make the extra call if you have
to--it’s worth it.

The whole report-ordering process will take less than 6 minutes and it’s
completely automated, so you won’t have to speak to anyone. Make sure you
write down the confirmation numbers after each call for your records.
Below are the phone numbers for each credit bureau:

Trans Union automated phone system Call 800-888-4213.

Experian automated phone system Call 888-397-3742.

Equifax automated phone system Call 800-685-1111.

Once you have received your credit reports from each credit bureau (Trans
Union, Equifax, and Experian), you are armed and ready to begin repairing
your credit.

I highly recommend a Do-It-Yourself credit repair system like the one I
helped develop - Loan Saver PRO: for Consumers; here is a link to their
site: http://www.loansaverpro.com/index-1.html. The Loan Saver PRO system
teaches you how to manage the entire credit repair process and shows you
step-by-step how to launch effective online disputes. Loan Saver PRO: for
Consumers is trusted by leading Mortgage companies and guaranteed to work.

As always, I hope the above information helps, and I wish you the best in
your credit repair efforts.



About the Author
Todd Disraeli has been in the mortgage and credit repair business for over
10 years. Todd's primary expertise is consulting with mortgage companies
and helping them turn declined loans into approved loans. Todd uses his
extensive knowledge and experience to help mortgage companies, and their
loan officer’s, work smarter and not harder.

Although he might seem controversial at times, he speaks the truth whether
the credit bureaus like it or not.