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** Credit Reports **
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The following is provided For Your Information. If you need assistance in repairing your once good credit, this may help. The first
thing you need to do is get a copy of your credit reports. There are 3 major credit bureaus in the U.S.A. they are Experian, Equifax and Trans Union.
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Why Do I Need 3 Credit Reports?
Experian, Equifax and Trans Union are 3 entirely different companies. Different creditors report your credit to different credit
bureaus ... some report to all 3. You need a copy of all 3 of your credit reports to make sure they
are all reporting accurate information about you. You can bet there is a
mistake on one or all of your credit reports.
These mistakes or inaccuracies affect millions of Americans in a
negative way, and most of them are totally unaware of them. It is not
uncommon to find someone else's negative information on your credit file
just because you and that someone have the exact same name.
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So, how do I get rid of these mistakes?
First step: get a copy of all 3 of your credit reports. Here are
the addresses and phone numbers.
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Experian
P.O. Box 2104
Allen, TX 75013-2104
(800)682-7654
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Equifax
P.O. Box 105873
Atlanta, GA 30348
(800)685-1111
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Trans Union
P.O. Box 390
Springfield, PA 19064
(800)916-8800
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