Educational Resources
Knowledge is Power!
Credit Bureaus Mailing Address
Equifax Credit Information Services, Inc
Address: P.O. Box 740241,
Atlanta, GA 30374
Telephone: 1-888-766-0008
Online: www.equifax.com
TransUnion LLC Consumer Disclosure Center
Address: P.O. Box 1000, Chester, PA 19022
Telephone: 1-800-888-4213
Online: www.tuc.com
Experian National Consumer Assistance Center
Address: PO Box 2002, Allen, TX 75013
Telephone: 1-888-397-3742
Online: www.experian.com
What You Should Know Before Applying for Loans
When applying for loans, a lender will look at your savings, your income, and your employment. You want to make sure that you keep a good amount of savings in your account to show the lender that you have the discipline when it comes to handling money. They will also look at your income to see whether you make enough money to keep up with the monthly payments. Finally, they will look at the length of employment to make sure that you are stable. The above factors will help you get a loan, which will help you raise your three-digit number in the long run.
How To Keep Bills Organized
Get a file cabinet to track your bills and place them in an area where you can get to them quickly. Know the date of your payments and use calendars to remind you of your due dates. Take advantage of automatic payment deduction and electronic email reminders from creditors when offered. When employing these strategies, you never miss a payment, and as a result, you improve your score.
How To Get Late Payments Removed
If you are late, ask the lender to waive the late fee as a courtesy because most lenders will do that for you if you have not used all of your late waivers for the year. Lending institutions allow either one or two late fee waivers yearly. Then take the money that they were going to charge you and reduce the balances on your credit cards for an increase in your score.