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I'm Bo Majors
I got my
totally free credit report, flipped out, paid bills, asked for
credit help, got new good
credit and disputed errors on
my credit report
Up raise fico fast validate negotiate dispute get credit card fico beacon bals hicr ratio debt income ratio credit tips judgments how pay off bankruptcy public records divorce ex x how long pay debts TransUnion Equifax Experian scams theft fraud fix credit letters
E-mail Bo
Credit questions.
My credit help blog
I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thank GOODNESS for your website. IT WORKS!
real person
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The Trans Union credit bureau The Experian credit bureau
At least some of the
contact numbers for CRAs are a moving target. They might move out from
under ya.
800-685-1111, 800-797-7005, 866-238-8067, 877-474-8273, 888-207-2854,
888-532-0179, 404-885-8000
also try:
800-846-5279, 866-640-2273, 888-873-5455, 800-525-6285, 888-766-0008
I just got through on 800-640-2273 on Saturday nov. 10th 2007
FAX
800-466-4481
888-729-0083 Fraud Department, I think
404-885-8988, 678-795-7798
- I am not Equifax but a reasonably easy way to find out who they are, what
they do, and how to contact them quickly and effectively.
- What is the phone number, fax number or address for Equifax?
Answer: Use the mail because calling a
bureaus’ computerized phone system is more frustrating and less secure
than certified priority mail as recommended by the FTC
- Remember
there a 3 credit reporting bureau’s (Trans Union, Experian and
Equifax) that store my credit repayment habits, files and scores.
- If I have a dispute or I do not have an address or phone number
for a creditor I should
print the official and legal dispute form
with instruction free.
- I must
make educated evaluations as to what steps I should take to
raise my credit score fast.
- A 2002 study by the Consumer Federation of America estimated that
tens of millions of Americans are unfairly penalized for incorrect information in their credit reports. More recently, a 2004 study by the U.S. Public Interest Research Group found
that
one in four credit reports contained errors serious enough to cause consumers to be denied credit, housing, or even a job.
- Learn more about Equifax credit reports and how fix a credit report
with my free Equifax credit help
outline, my free tips, all about credit
scores and the free official and legal Equifax
dispute
form.
These are the best credit help offers I can find that I trust and use.
Get
all 3 totally free credit reports and scores
I use this one. Best offer for
quick comprehensive credit checks.
Unlimited
3
bureau credit reports & 3 scores for 14.95 per month
The best for fixing credit, monitoring for fraud, and ID theft over a
period of time.
More information about Equifax
I rebuilt my bad credit report and low Beacon score, with the Equifax
credit bureau by getting a credit report online then disputing redated accounts,
duplicate or merged accounts and rouge creditor practices. Mail is the quickest
most efficient, verifiable way to rebuild credit reports with the 3
bureaus. Some credit can't be rebuilt.
- The Equifax Company Inc. maintains records of my credit history sent to
them by creditors like Visa credit cards. Most people have credit files with
Equifax and they use the Beacon Score system which is like the FICO and
Empirica credit scores. These scores can dramatically affect my ability to
obtain loans, insurance, jobs, bank accounts and credit cards.
- Equifax can only report
what is sent
to them buy creditors which can be mistake riddled with credit fraud,
duplicate files, merged files between family members with the same name and
MORE. So it is not all their fault. Creditors and collection agencies can
report anything they want and the bureau has to report it as such. Many times
Equifax is held hostage unless I free them.
- Remember Equifax is an enormous corporation that must keep records on 100+
million people with many creditors each. Such a huge undertaking requiring
such security makes individual phone calls unrealistic. At the very least
the shear size makes keeping perfect records and oversight also unrealistic.
Individuals must take active care to make sure their credit reports are
accurate and up to date.
I can call or email Bo for credit help if I like, but I make sure I
have a copy of my report and I've read Bo's tips before I call. Everyone
should get a copy of their report each year for the reasons stated above, to
avoid possible embarrassment, possible higher interest rates, identity fraud and
I always, dispute merged, fraud, duplicate, re dated and inaccurate files with
all 3 bureaus.
------------------------------------
These are the best credit help offers I can find that I trust and
use.
Get
all 3 totally free credit reports and scores
I use this one. Best offer for
quick comprehensive credit checks.
Unlimited
3
bureau credit reports & 3 scores for 14.95 per month
The best for fixing credit, monitoring for fraud, and ID theft over a
period of time.
Get
new good credit totally free
I must have at least 3 open rated lines of credit. These cards
report to bureaus.
Hire a Lawyer to do all the
work
Knee
deep in debt solutions
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