AnnualCreditReport.com allows you to request a free credit report, once a year from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. These reports are free but they do not include your credit score.
Or you may purchase your credit report with FICO score directly from the three credit reporting agencies:
TRANS UNION
Customer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
http://www.transunion.com/
1-800-888-4213
EQUIFAX
P.O. Box 740241
Atlanta, GA 30374-0241
http://www.equifax.com/
1-800-685-1111
EXPERIAN
P.O. Box 2104
Allen, TX 75013-2104
http://www.experian.com/
1-888-397-3742
Credit repair and credit restoration are legal processes governed and sanctioned by federal laws. You have a right to dispute negative and inaccurate items listed in your credit reports.
Over 82% of the population has inaccurate, misleading, duplicate or obsolete info on their credit reports. This statistic has encouraged some unscrupulous people to offer credit repair services to consumers despite having little or no knowledge of the credit industry.
Yes, this could have a major negative effect on yuor credit score! Ideally, you should keep your credit card balances 35% below the limit. If possible, never allow the credit card balance to exceed 50% of the credit limit.
Having a few credit cards can actually improve your credit scores. Most experts agree that one to three credit cards is the optimum number. Don't forget that making your payments on time will also help increase your scores.
A credit score, sometimes called a “Fair Isaac” or FICO score is calculated based on the number of credit accounts you have, your payment history, and your personal information. It is made from a calculation so complex that there is no exact formula, but the scoring ranges from 350 to 900.
You can improve your score by paying your bills on time; not maxing out your credit cards; limiting inquiries on your credit reports (by not letting prospective creditors pull your credit reports unless it is absolutely necessary); deleting negative credit items; deleting inquiries; and doing your best to settle outstanding debts, collections, and judgments.
Paying off a collection doesn’t guarantee it will be removed from your credit report. It should now be reported as a “Paid Collection.” Some old collection debts are bought by "bottom feeder" collection agencies for pennies on the dollar. They are sold this way because the statute of limitations for collecting and or reporting the debt has expired.
This means the collection agency that bought the debt can't legally report it to a credit bureau (place it in your credit report) or legally obtain a judgement from a court of law against you. Before paying any collection you may discover that the collection can be legally removed from your credit report. We can also prevent collection agencies from harrasing you with constant phone calls.
If you have recently been through a divorce or are planning to seek one, you need to look closely at how divorce can affect your credit rating. Reviewing the different kinds of credit accounts opened during your marriage will help you avoid the credit nightmares that plaque many recently divorced couples.
There are two kinds of credit accounts: individual credit accounts and joint credit accounts. When you fill out an application for credit, whether for a Credit Card, auto loan, or mortgage, the application will ask if you want an individual account or a joint account.
With an individual account only your income, Credit History, and assets are scrutinized in the application process. You alone are held responsible for paying this debt back. Whatever your marital status, you will be held responsible for the credit card or loan payments. Under this Type of agreement, you may elect to add someone to the account as an Authorized User, which means they can charge on the account. However, adding an authorized user does not release you from sole responsibility for repaying this debt.
“I would like to recommend Bob Opperman and Jersey Credit repair as as a great organization. In his position Bob/Jersey Credit repair was able to fix my credit. Bob did an excellent job in this position and was a grreat asset to this organization. He has excellent written and verbal communication skills, is extremely organized, can work independently and is able to follow through to ensure that the job gets done.
Bob was always willing to offer his assistance and had an excellent rapport with the many constituents served by our office including clients, employers, and other professional organizations. He would be an asset to anyone trying to repair their credit and I recommend him for any endeavor he chooses to pursue.
Kathy
Action Automation” January 9, 2011
Kathy Opperman, sr.sales engineer, Keyence
was with another company when working with Bob at Jersey Credit Repair