CLEANING UP CREDIT REPORTS What you will need: A black permanent marker, A copier, Envelopes, Stamps, A telephone.

1. 2. 3. 4. 5. 1.

2. 3. 4. 5. 3.

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Call all 3 credit reporting agencies and order yo r credit report!it is "ree. #o r order $ill be a tomated. %rans nion& 1'())'322'(22( E* i"a+& 1'())'322'(22( E+perian& 1'())'322'(22( ,hen yo get yo r reports make a copy -"ront and back. o" each report. #o $ill notice that all o" the creditors are in long strings across the long part o" the page. %he /good0 reports are s ally the "irst ones reported -b t not al$ays, yo $ill have to scr tini1e each report.. 2o not do anything $ith the good reports. ,hen yo come to the /bad0 reports yo $ill $ant to do one o" the "ollo$ing& a. 4" it is "or late payments it $ill sho$ 35, 35 or 65 days late7..i" it sho$s 35 days late yo $ill take yo r black permanent marker and $rite across the entry 89E:E; 35 2A#S <A%E= or enter the n mber o" days that it states payment has been late. b. 4" it sho$s that yo are in de"a lt o" payments yo $ill $rite across the entry 89>% ?49E=. c. 4" it is a notice o" "ederal ta+ lien, $rite 89>% ?49E=. @y $riting this across the entry "orces the reporting agency to veri"y that it is yo rs or that it $as late.

(. 6. 15. 11. 12. 13. 14. 15. 13. 1). 1(.

4" yo have several /bad0 entries, do not do all o" them at once, pick 3'5 "or each mailing. ?ake a copy o" $hat yo send "or yo r records. -%his $ill prove to be an important step as it $ill let yo kno$ $hat yo have already done.. #o only need to enclose the page-s. o" the corrections yo have made "or mailing back to the reporting agency, no cover letter or cover page is necessary. %he reporting agency $ill send yo an pdated report $ithin 35 days and either strike it altogether, or they $ill state that it is veri"ied to be correct. 4" they say it is veri"ied do the same thing that yo did the "irst time and send it back. Each agency has several addresses, so send to di""erent addresses i" yo need to "ollo$ p $ith another mailing. Anderstand that they cannot veri"y since they have no "irst hand kno$ledge o" $ho yo are. %here may be other names on yo r report, make s re that yo $rite thro gh them 89>% ?E=. #o may have to take some time $ith this, b t it $ill event ally clean p yo r entire report. @e diligent and even i" yo "ind yo m st send in "or the same ones several times, they $ill event ally take it o"". 9ote& Each agency has several addresses, pick any one "or the "irst mailing and therea"ter yo may $ant to choose a di""erent address. %rans nion& 1'(55'613'((55 1531 E. >rangethorpe Ave., B llerton, CA 62(31 C> @o+ 3)65, B llerton, CA 62(34 C> @o+ 1555, Chester, CA 16522 C> @o+ 2555, Chester, CA 16522 E* i"a+& 1'(55'3(5'1111 or 1'(33'222'5((1 "or CA

C> @o+ 155()3, Atlanta, DA 3534( C> @o+ 15513), Atlanta, DA 3534( C> @o+ 155(((, Atlanta, DA 3534( C> @o+ 155252, Atlanta, DA 3534( C> @o+ 1553)6, Atlanta, DA 3534( C> @o+ 155()3, Atlanta, DA 3534( C> @o+ )45253, Atlanta, DA 353)4 E+perian& 1'(55'311'4)36 C> @o+ 2154, Allen, %e+as )5513 C> @o+ 2552, Allen, %e+as )5513 C> @o+ 6565, Allen, %e+as )5513 C> @o+ 6535, Allen, %e+as )5513 C> @o+ 151), Allen, %e+as )5513