TransUnion Credit Repair
1. Get your credit report from Transunion by calling:
800-888-4213
Ignore the annual credit report offer.
To get it free let them know you have been turned down for credit recently.
DO NOT get your credit score (this is how they try to get money)
2. Once you receive your credit report in the mail go to
https://onlinedisputeform.transunion.com/
3. Register then login
4. Click on the "Request by Online Form"
5. Go thru all 10 steps, and Enter the Company name and account number you are disputing, untill you have them all added, SELECT THE OPTION "THIS ACCOUNT DOES NOT BELONG TO ME"
6. Submit the dispute.
7. Wait a week log in and do steps 2-6 again.
8. Repeat till all bad stuff drops off
Equifax Credit Repair
1. Get your credit report from Transunion by calling:
800-685-1111
Ignore the annual credit report offer.
To get it free let them know you have been turned down for credit recently.
DO NOT get your credit score (this is how they try to get money)
2. WRITE DOWN THE CONFIRMATION# THEY GIVE YOU
3. Go to this link:
https://www.econsumer.equifax.com/consumer/forward.ehtml?forward=investigation
4. Enter ZIP code
5. Enter all Required info on the next page and put the CONFIRMATION # in that you got on the phone (this # will also be on the report you get in the mail) then click on SUBMIT
6. Click START A NEW DISPUTE
7. Click on NEGATIVE INFORMATION on the left
8. For each negative item click on DISPUTE THIS ITEM, and Select "This account does not belong to me."
9. Click ADD DISPUTE button
10. Once done click on DISPUTE SUMMARY
11. Click SUBMIT DISPUTE
12. Check back once a week if anything gets verified as beloning to you DISPUTE IT AGAIN!
Experian Credit Repair
1. Get your credit report from Transunion by calling:
888-397-3742
2. WRITE DOWN THE CONFIRMATION#
3. Visit this dispute link:
https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE
4. Enter Report# (Confirmation #) and other fields then SUBMIT button
5. Dispute all items by saying "The Account Does Not Belong To Me"
6. Check back in a week or 2. Once things get Verified you may have to wait a month or so to dispute it again.