Here are some highly
recommended credit cards.
For those of you who revolve a balance on your credit cards and want to apply for a low
Annual Percentage Rate card then we recommend the following:
This card offers an initial 0.0%
introductory APR and a LOW variable rate thereafter.
Credit
Repair
If you are having trouble getting credit with various companies we advise getting a free
complimentary copy of your credit report from a credit bureau. TRW will issue a free copy
of your credit report if you write them a letter and claim that you are "unemployed
and seeking employment within the next 60 days," or that you believe there are
"fraudulent marks on your credit report," or if you have been "denied
credit." We do not recommend having a "credit fixing" company take care of
these problems for you. Most bad marks on your credit report can be fixed through your own
efforts if the creditors do not have "full and accurate" information proving
beyond any reasonable doubt that you personally have owed them money. If their information
/ proof is not legally accurate then the Fair Credit Act of the Federal Trade Commission
may help you remove these marks. If your negative marks are not errors and the creditors
do have accurate information then they basically take time to mend.
From the research that we have done we have found that many marks on peoples credit report
are removed (whether or not a person actually owes a company money) soley on the bases
that these companies do not keep accurate legal proof of the debt. It is to your
advantage to insure that the collection agencies reporting information on you to the
credit bureaus actually have accurate legal proof of their claim otherwise they have no
legal right to report this debt to the credit bureaus.
Credit bureaus will offer to ask the collection agencies if they have accurate information
on a particular debt but they are often satisfied by an electronic or verbal
"yes" by a collection agency. Rather than asking the credit bureau to
verify this accuracy, it is far better to contact the collection agency directly and have
them send you a copy of this "proof" so that you can see it for your own eyes.
You have the right to see this and the collection agency reporting information to
the credit bureau has the obligation to only report items that they have accurate proof of
(see sectoin 623 of the Fair Credit Reporting Act). Click here to read the Fair Credit Reporting Act.
To receive your free complimentary copy of your credit report from TRW you must write a
letter to:
Experian
P.O. Box 9530
Allen, Texas 75013
You must indicate your full name (First, middle, last) including any generations (ex. Jr.,
II, III)
Your spouses name.
Your present home address. (Also indicate your home address for the past 5 years to be
sure that TRW has one of the addresses on file.)
Social Security number
Year of Birth
A billing statement (such as your local telephone or electric bill) which confirms your
name and home address, or a photocopy of your valid drivers license which states your name
and present home address.
(your credit report will be sent back to you in 3-4 weeks time)
Experian (TRW) may be reached at: 1-888-397-3742.
To receive your credit report from Equifax you must write a letter to:
Equifax
P.O. Box 105252
Atlanta, Georgia 30374
You must indicate your full name (First, middle, last) including any generations (ex. Jr.,
II, III)
Your present home address. (Also indicate your home address for the past 5 years)
Social Security number
Year of Birth
Telephone number
A billing statement (such as your local telephone or electric bill) which confirms your
name and home address, or a photocopy of your valid drivers license which states your name
and present home address.
Please include a check payable to "Equifax" for the amount listed below to
order your credit report.
All States Not Listed: $8.00
Connecticut: $5.00
Maine: $3.00
Maryland: Call 1-800-233-7654
Colorado, Georgia, Massachusetts & Vermont: Call 1-800-548-4548
Or you may call 1-800-685-1111 to order via their interactive telphone system. If you feel
that you need to speak with a person you might be able to get through to one better by calling: 1-800-378-2732.
If you have been denied credit or some other benefit within the last 60 days and Equifax
was used in the decision process, you are entitled to a free copy of your
credit profile. If this applies to you, please call 1-800-685-1111. (7 days a week)
To receive your credit report from TransUnion you must write a letter to:
TransUnion Corporation
PO BOX 390
Springfield, PA 19064-0390
You must indicate your full name (First, middle, last) including any generations (ex. Jr.,
II, III)
Your present home address. (Also indicate your home address for the past 5 years)
Social Security number
Year of Birth
Telephone number
A billing statement (such as your local telephone or electric bill) which confirms your
name and home address, or a photocopy of your valid drivers license which states your name
and present home address.
If you have been denied credit or some other benefit within the last 60 days and
TransUnion was used in the decision process, you are entitled to a free
copy of your credit profile. If this applies to you, please call 1-800-888-4213. (7 days a
week)
You can call TransUnion at: 1-800-888-4213
Other important reports that you may find helpful are as follows:
Social Security report:
You can request a copy of this report by filling out the online "PEBES" form on
the Social Security web site. To fill out this form click HERE
You can request a copy of your medical history report by writing a letter to:
MIB (Medical Information Bureau)
P.O. BOX 105
Essex Station
Boston, MA 02112
Simply write a letter asking for a "release form" to be sent back to you. Make
sure you give them your full name and mailing address in your letter so that they can send
you a release form in the mail. Once you receive the release form you will simply fill it
out and include a check for $8.00 (made out to MIB) and mail it back to MIB. Your report
will follow shortly.
Disclaimer
Consumer Group USA's Homepage
|
