When you first receive your Trans Union, Experian and Equifax credit reports, you might be totally lost. The information is coded in a way that is not immediately readable by the average consumer. Each credit report should arrive with a key that interprets the codes and indicators on the credit report. [...]

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I want to start with a disclaimer. I am not a lawyer, credit counselor, accountant or an expert on credit repair. I am a normal person, just like you, that has a desire to improve my credit rating so that I can buy a house for my family. I don’t think I have any advantages [...]

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Most people get alot of “pre-approved” credit card offers constantly. The current wave of offers includes “cash back”. That is bait that you don’t want to take. I recommend you OPT OUT of prescreened credit card offers!
Usually these offers state that you wil get a check for 1%-5% back on purchases made with the card. [...]

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Here is a video I found on yesdebtfree.org that shows the exact steps to dispute an item on your credit report using Experian Online. Your Experian credit report is available from FreeCreditReport.com
The video is best seen full screen… click the little full screen button on the video control to enable full screen.

addthis_url [...]

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reprinted from ftc.gov [pdf format]
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:

“Credit problems? No problem!�
“We can erase your bad credit — 100% [...]

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