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The Ultimate Credit Repair Solution - Absolutely Free of Charge

First, obtain free copies of each your credit reports (Experian, Trans Union and Equifax.) The consumer version of your credit report (consumer disclosure) includes data that is not provided on any other type of credit report, such as those obtained for mortgage purposes. There are three methods to obtain your credit reports,

• Online at www.AnnualCreditReport.com or,
• By phone by calling 1-877-322-8228 or,
• By mail, simply print, complete and mail the request form available at https://www.annualcreditreport.com/cra/requestformfinal.pdf  to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Once you receive your credit reports, review each to see if any errors exist. If errors are found – follow the dispute process identified on each credit report (this can be done online, or by mail.) Federal law (FCRA) requires most disputes be completed within 30 days. At the time this was written, we’re seeing most disputes completed within about 3 weeks.  

Here’s the best part...
Once you obtain copies of your credit report – each repository is required to provide you a toll-free number answered by a live person to help you with any questions or concerns you have about your credit report, or the dispute process. These live customer support agents can also provide a fax number so you can forward any supportive documentation (e.g. bankruptcy documents, statements or receipts.) When advised of a pending mortgage – they are often able to greatly accelerate the dispute process (sometimes completed within days.)

Most importantly - All of the above is provided absolutely free of charge. This process gets your dispute addressed by each repository faster than possible through any credit repair company (see the FTC warnings about credit repair at http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm.)

About Credit Technologies
Founded in 1990, Credit Technologies is a credit reporting agency serving top mortgage lenders and brokers nationwide. Credit Technologies does not provide credit repair services, nor do we allow parties engaged in credit repair access to our technologies.

In 1997, Credit Technologies introduced ScoreExpress, the first credit rescoring system designed to process updates to consumer credit reports in less than 72 hours. Today ScoreExpress is the most powerful credit report analysis and rescoring system available. Lenders with access to Credit Technologies enjoy an average credit score improvement is 30.2 points. For more information on how we can help you close more loans, call us toll free at 800.445.4922.

Credit Technologies services are available exclusively through our national network of certified mortgage professionals. If your looking for access to mortgage rescoring services for you personal credit report, please visit our Consumer Rescoring Section.

Please Note - The above process works very well for correcting any errors on your credit reports, but it does not include your FICO scores. The only place to obtain all three of your credit reports (Experian, Trans Union and Equifax) WITH your FICO scores is MyFICO.com