How to order your free credit report

You are entitled once a year to order your free credit report to check for errors, have the option to fix inaccurate derogatory information you find after reviewing them, all to restore good credit.

You can get your free credit reports from the 3 major credit bureaus -- TransUnion, Experian, and Equifax -- once every 12 months. Why not start now?

You can order your credit reports and view them online, and you will even have the option to print it off on your home computer printer to review it offline.

Read more in this free how-to article at FindHow2.com:

http://www.findhow2.com/free-credit-report.html


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Only passage of time can correct accurate negative information on your credit report

Dealing with accurate negative information on your credit report is a topic which confuses a lot of people. In reality, it's guite simple. If what is in your credit report is true and accurate, it cannot be removed just because you dispute it.

When negative information in your credit report is accurate, only the passage of time can assure its removal. Accurate negative information generally can stay on your report for seven years. There are certain exceptions, though.

Read the following how-to article at FindHow2.com to learn more about what can and cannot be disputed on your credit report:

http://www.findhow2.com/dispute-credit-report-errors.html




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Getting free credit report from Equifax

You are entitled to get one free copy of your credit report once every 12 months. Equifax offers this guide on how to request your free credit report from them. This is what their website says on the matter:

You are entitled to one free report during any 12-month period no matter where you live, if you:

-- Are unemployed and intend to apply for employment in the next 60 days
-- Are on public welfare assistance
-- Believe your file contains inaccurate information due to fraud
-- You are also entitled to a free report if you have received notice of an adverse decision (such as denial of credit, insurance, or employment) within the past 60 days.

To receive your free Equifax credit report online, visit www.equifax.com/fcra (This is the quickest and easiest way to gain instant access to your credit report)
Call 800-685-1111 or write to:


Equifax Information Services


P.O. Box 740241


Atlanta, GA 30374

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How To Dispute Credit Report Errors

Why you should dispute derogatory listings with credit bureaus

Derogatory items are required to be removed from your credit reports after seven years. This law is designed to help consumers recover from their own credit mistakes and give them the opportunity to rebuild their credit rating.

After checking your credit reports, it is important to know that if you find charged-off accounts appearing on your credit report after seven years, you will need to dispute that derogatory listing with the respective credit bureaus.

Debt purchasing firms have been known to report inaccurate charge-off dates so as to extend the amount of time an old account appears on your credit report. This keeps this derogatory information "in play" so to speak, allowing collection aagencies to hound you for money that rightly should not appear on your credit history.

Erroneous information such as this ought to be what you dispute first. Determine where to write your credit dispute letter and follow the free tips on our website: http://www.findhow2.com/credit-letters.

The Federal Trade Commission website offers a free how-to article called "How to Dispute Credit Report Errors" which provides solid steps to take to clean up your credit.

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