Trying to clear my credit and I owe a couple different places but I'm not sure the places, can some one help me figure this out?And how do I get all the bills put together?
2007-03-20 04:25:57 · 7 answers · asked by ezmoney83 1 in Business & Finance ➔ Credit
Go to www.annualcreditreport.com and order your free credit report. Only there will all of your creditors be available for you to view. Getting the bills together? Do you mean consolidating them? You'll have to go to a debt consolidation company to do that. Also, credit counseling agencies oftentimes help you consolidate your debt. I would suggest looking in your yellow pages for local places.
2007-03-20 04:34:02 · answer #1 · answered by Patrick 3 · 0⤊ 0⤋
Go to annualcreditreport.com and get copies of all 3 credit reports and they will list any creditors you owe. You need to get all 3 though because all accounts are not listed on each report. Also if anything is incorrect, dispute it and make them correct.
2007-03-20 04:31:11 · answer #2 · answered by pleasure6910462 2 · 0⤊ 0⤋
You can check out this site for free:
www.annualcreditreport.com
Just answer the questions and pick experian, transunion or equifax or all three it based on your answers they will let you see your credit report .
Once you see your report you will have to print it out.
It will show if your accounts are still open and active or if they are already closed, and if they are closed they will show you the amount you owed when the account was closed.
Plus it will tell you how long the accounts will stay in your credit report.
Hope this answers your question.
2007-03-20 04:39:34 · answer #3 · answered by redwiggle01 2 · 0⤊ 0⤋
annualcreditreport.com
By law, you are entitled to a free credit report from all 3 agencies once a year. The contact info for the companies reporting about your account will be on the report. Good Luck.
2007-03-20 04:31:04 · answer #4 · answered by blade_teh_misfit 1 · 0⤊ 0⤋
Get a copy of your credit report. It will list all your creditors.
2007-03-20 04:28:58 · answer #5 · answered by Nasubi 7 · 0⤊ 0⤋
yup, your credit report would show most of them (not the small private ones).
also check it to make sure there are not accounts you didnt open (ID THEFT).
1) run a free credit report from each agency (your allowed one free one per year, per agency). you need to know, so you need to get them.
2) if ID Theft has occured, you need to make a police report first. the rest of what you need to do, is listed in the links below (with GREAT info too).
3) some states allow you to 'lock' or 'freeze' credit reports; to protect against theft. if your state allows it, lock 'em down. that way, no one can open an account on them.
4) once you discover their credit reports have activity on them, then contact each credit reporting agency (the 3 major ones) and report the ID Theft... and request they lock the reports (usually they automatically do it, but ask for it anyway).
ID THEFT HELP/ INFO
http://www.idtheftcenter.org/index.shtml
http://www.ftc.gov/bcp/edu/microsites/idtheft/
http://www.ftc.gov/bcp/conline/edcams/credit/index.html
http://www.fraudguides.com/consumer-identity-theft-children.asp
http://www.ripoffreport.com/
http://www.fightidentitytheft.com/
http://www.ncpc.org/media/current.php
https://rn.ftc.gov/pls/dod/widtpubl$.startup?Z_ORG_CODE=PU03
http://www.myidfix.com/
FAIR DEBT COLLECTION
(rules laws for collectors to abide by)
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm
CREDIT REPORT INFO / REPAIRS / DISPUTES
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.htm
http://www.kiplinger.com/columns/starting/archive/2007/st0221.htm
http://www.bankrate.com/brm/news/cc/20040116b1.asp
https://www.annualcreditreport.com/cra/helpfaq
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.asp
http://www.bankrate.com/brm/news/bankruptcy/20070313_credit_report_stains_a1.asp
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.txt
http://bankrate.com/
http://www.occ.treas.gov/customer.htm
TO ORDER A FREE CREDIT REPORT
(all three are free once a year)
Equifax
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com
1-800-685-1111
_______________
Experian
P.O. Box 19719
Irvine, CA 92623
www.experian.com
1-888-397-3742
_______________
TransUnion
P.O. Box 2000
Chester, PA 19022
www.transunion.com
1-800-916-8800
2007-03-20 04:40:54 · answer #6 · answered by Yvette B yvetteb 6 · 0⤊ 0⤋
get a copy of your creditreport, they should all be there with contact information
2007-03-20 04:29:30 · answer #7 · answered by Shopaholic Chick 6 · 1⤊ 0⤋