While credit clean up isn’t necessarily simple, it doesn’t have to be difficult, either. You must carefully look over your credit reports and identify any incorrect, outdated, or even fraudulent information. From there, it’s a matter of sending a letter to the particular bureau(s) with the questionable details and requesting that to remove it. You’ll probably have to provide some proof.
The three credit bureaus, in case you didn’t know, are:
- Experian – 1-888-397-3742 – Experian.com
- Equifax – 1-800-685-1111 – Equifax.com
- TransUnion – 1-800-916-8800 – transunion.com
You are allowed to receive a copy of each report for free once per year. It might cost extra to view it more than once, although you might be able to work something out with Equifax if you were a victim of their massive breach a few years ago. If you haven’t yet checked, be sure and do that. If any of your details were compromised, you might be a victim of fraud and have negative items on your credit reports because of it.
Regardless of whether you’re a fraud victim or not, it’s in your best interest to work with a credit clean up the company instead of trying to handle everything on your own. Let the experts deal with everything on your behalf. The entire process will go much more smoothly, and everything will be a lot easier.
They will also work with you and maybe even spot errors and other information that they can remove that you might have missed.
Credit Clean Up Scams to Avoid
Just be careful and watch out for scams. Be on the defense with your private information. Never give your personal or financial details to any credit repair company without first ensuring that it is legitimate. Look out for red flags such as trying to demand money upfront, making outlandish claims and “guarantees”, or suggesting that you take an approach that could potentially involve something illegal, such as lying or falsifying information to the credit bureaus.
Also, read reviews from others who have been customers of credit clean up companies, and look for any possible complaints. You’ll be required to provide proof to the credit bureaus that some of the information on your report isn’t legitimate or factual, such as copies of bank statements showing that you’ve paid.
Since there are so many of these services online, where should you start? At the very least, check into the Credit Saint credit clean up company. They’ve won numerous awards, such as the “#1 credit repair company” by The Credit Review.