How to Obtain a Credit Report & What to Do First
Thank you for joining us once again at Salvation’s Call Ministries, Born Again Credit Restoration. This is where credit is restored, not just repaired!
Before you can evaluate anything in your credit reports, you must obtain all three copies of your credit reports from the Bureaus (all three) Experian, TransUnion, and Equifax a couple of different ways. I recommend using Identity IQ, which provides monthly credit reports, identity theft insurance/protection, credit alerts, and much more for a discounted price through our link at https://www.identityiq.com/sc-securepreferred.aspx?offercode=43114249
You can still obtain your reports through annualcreditreport.com, but it legally gives the credit bureaus and creditors an extra 15 days to respond to disputes giving them 45 instead of 30 days. This does make a huge difference and you cannot request more reports through the bureaus this way later on without paying for each one. Therefore, I highly recommend making the investment and getting your reports from a trusted resources such as Identity IQ as I mentioned before.
So, you have your reports, now what? Get a stack of paper & pen, begin looking over your reports. Look at all the details including your personal information. All old addresses, telephone numbers, names, aliases, and incorrect information should be requested to be removed or deleted.
THIS SHOULD BE DONE PRIOR TO DISPUTING/CHALLENGING ANYTHING ELSE ON THE REPORT! DO NOT SKIP THIS STEP!
You need to dispute the personal information like all old/wrong addresses, names that aren’t your legal name, old/wrong telephone numbers, and report your current address (whatever is on your driver’s license). This could even be a P.O. Box.
If you skip this process, it may delay and even jeopardize the entire repair process and is totally worth the extra postage to send this letter first before disputing any accounts. Trust me, I know from experience :).
Regardless of where you are at in your credit situation this very moment, don't ever lose hope. If you believe in the healing power, redemption, and saving grace of Jesus Christ; just as He cares for our physical and spiritual well-being, Christ cares for our financial well-being. If he loves us enough to heal us of our hurts and sicknesses, He will surely bless our families to be brought out of the bondage of financial despair and living at the mercy of the predatory creditors. Believe in Him, in his ability to help you where you are, and have faith in the process. God can help you get through this, all you have to do is ask and be willing to move. Step out on faith today, and watch those mountains of debt be moved in Jesus' name!
"For assuredly, I say to you, whoever says to this mountain, ‘Be removed and be cast into the sea,’ and does not doubt in his heart, but believes that those things he says will be done, he will have whatever he says.
Next week we will discuss how to properly format this letter and what information should and shouldn’t be listed on it." Mark 11:23 (NKJV)
For More Information, Help With The Restoration Process, To Allow Us To Do The Work For You, Or Resources Visit Us At Our Credit Restoration Page Here!
There are no attorneys on staff here at this ministry. No advice or laws stated on our site should be used to replace sound legal advice. If you have legal questions or are in need of legal consultation, please seek your attorney. God Bless!