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| Linda Adams - The Clean Credit Queen™ |
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- How to Write a Letter to Order a Free Credit Report
Everyone is entitled to one free credit report from each of the three major credit bureaus once a year.
Perhaps more if you meet certain qualifying conditions. If you do not have access to the Internet, this
may take a bit longer to receive but you can still order it through the mail or over the phone. You will
still have to provide the same level of identifying information. After all, you want to get your credit
report, not someone else’s.
The main information required is listed below:
Name – Make sure this is your full name, not a nickname or partial name, include your middle name
and any suffix (like Sr. for senior) if appropriate.
Social Security Number – Put the dashes in as they appear, XXX-XX-XXXX, this will make the number
easier to read. Make sure all of your numbers can be recognized. Many times 1 and 7, 7 and 9, or 3
and 5 look similar if you do not clearly print them. Take your time – this is perhaps the most important
piece of information that will be used to identify your records.
Birth date – Make sure to write out the month, include the day and put in all four digits of the year.
For example: January 1, 1987.
Addresses – First list your current address, not a post office box, but your physical address whether it
is a house, apartment, condo, houseboat, or where ever you live. Next list your previous address.
Often this only needs to be if you have moved in the past three years, but putting in the last address,
no matter how long ago you moved is not a bad idea. Be aware that if you have moved recently, the
bureau will take longer to verify your request. If this is the case, you can help them by sending a copy
of your most recent ID with the new address on it, like a driver’s license.
Other identifying information you may be required to send would be:
- a copy of your birth certificate
- a copy of your social security card
- a copy of your driver’s license.
- Make sure you send just a copy NOT the original of any form of identification.
Requesting your credit report on the phone or through the mail means that you have to contact each
bureau individually.
If you are able to do this online, check out my free DVD that will show you the process from end to end
to help you avoid any costly mistakes.
If you have gotten your free report in the past 365 days, you can call the bureaus and find out their
charges for another copy. Mail this check along with your letter including the information above. Your
letter should state your request for your credit report, the information listed above, and a phone
number that they can use to contact you if there are any questions.
- Summary – If you want a free credit report from each of the three credit bureaus then you can write a
letter to them providing specific information.
- FREE INFORMATION REPORT -"Bankruptcy - How To Make A Fresh Start - 6 Critical Things to Do"
There is no magic bullet for bad credit report repair; it takes time for these items to be removed. Better
yet, try not to get them on there in the first place, then you won't have to try to fix your credit report.
- Credit Article by Linda Adams - The Clean Credit Queen
Good Day and Good Credit
| 2008 Copyright © LDRA Performance Consultants Inc. All Rights Reserved. |
Linda Adams, The Clean Credit Queen is not a registered investment advisor and the information provided on this website should be considered educational in nature, but it is not a substitute for legal or professional financial advice. If you believe you need the help of a Certified Financial Planner or other investment counselor, please seek a qualified professional. |
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