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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.
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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 Equifax credit bureau
-
I
am not Experian but a reasonably easy way to find
out who they are, what they do, and how to contact them quickly and
effectively.
- The most common questions I am asked is:
What is the phone number, fax number or address for Experian? 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 (Experian, Experian
and Equifax) that store my credit repayment habits, files and
scores. All three bureaus are likely to have different data so I
make sure I have all of my
totally free credit report 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 free. Instructions and tips for use come with the dispute form at
the bottom.
- I
make educated decisions 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.
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Learn more about Experion the credit report bureau and how
fix a credit report with my free Experian credit help
outline, my free credit tips, all about credit
scores and the free official and legal Experian
credit dispute
form.
More information about Experian
I rebuilt my bad credit report and low FICO score, with the
Experian 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 Experian Company Inc. maintains records of my credit history
sent to them by creditors like Visa credit cards. Most people have
credit files with Experian and they use the FICO Score system which is
like the Beacon and Empirica credit scores. These scores can
dramatically affect my ability to obtain loans, insurance, jobs, bank
accounts and credit cards.
- Experian 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 Experian is held hostage unless I free
them.
- Remember Experian 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 oversite 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
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