Access your credit report
Your 3 credit reporting agencies are Transunion, Equifax, and Experian.
You have access to a free credit report each year. Request your free credit report now!
When you receive a denial for credit. In the letter, you should make your request for them to send you your credit report. By law, you are allowed to receive one free copy of your credit report. Then you are allowed a copy for every denial you receive. Don’t get denials just for a copy of the credit report. Remember each inquiry is 10 pts.
Challenge items on your credit report
This is an example of a Debt Validation letter to send to credit agencies. Click here. They only have 30 days to respond and it starts from the day of the postmark.
Do you have late payments? You can send this letter out to ask them to remove them.
You can also dispute items you don’t agree with. Click here
Feel free to schedule a consultation if you need any help or have any questions.
Blaine La/Car Associates 