Who do I talk to about fixing my credit
1. Figure out where you stand. Before you begin do-it-yourself credit repair, you’ll want to get copies of your full credit reports from all three bureaus (Experian, TransUnion, and Equifax). You can get your reports truly free, once a year, at www.annualcreditreport.com or by calling 1-877-322-8228.
How can I get my credit back on track
How to Rebuild Credit:
- Review your credit report.
- Catch up on past-due bills.
- Budget and build an emergency fund.
- Use a secured credit card responsibly to add positive credit history.
- Check your credit score regularly.
- Use different credit cards for different needs.
- Be patient for your score to improve.
How do I contact the three major credit bureaus
Credit Bureau Contact Information
- Equifax. Equifax.com/personal/credit-report-services. 800-685-1111.
- Experian. Experian.com/help. 888-EXPERIAN (888-397-3742)
- Transunion. TransUnion.com/credit-help. 888-909-8872.
How do you speak to a live person at Experian
If you need help with your Experian Membership please dial 1-877-284-7942. You can reach a live person from Experian via this number from 6am to 6pm PST on Monday-Friday and from 8am-5pm PST on Saturday-Sunday. To speak to the live person listen to the prompt and select option 3 for General Questions.
How long does it take to rebuild credit
Rebuilding while you repair
So while the repair process may only take 3-6 months, the time it takes to rebuild your credit can take longer. It can take up to a year or more to achieve a good credit score, depending on how low you start.
How long does it take to clear a bad credit history
We’ll get into the nitty-gritty in a minute, but as a starting point, most negative information will remain on your credit reports for seven years with the one major exception being bankruptcies, which can stay on your credit reports for ten years – depending on the type of bankruptcy you file.