The Ultimate Credit Repair Solution

Absolutely Free of Charge

www.AnnualCreditReport.com

Not only is AnnualCreditReport.com approved in every state – it’s actually mandated by Federal Law (FACTA – Fair and Accurate Credit Transactions Act.) Correcting any error on your credit report is a simple, free process.

First, obtain free copies of each your credit reports from Experian, Trans Union and Equifax. To order your free reports go to www.AnnualCreditReport.com, select your state from the drop-down menu and order your report. Do NOT click on the credit bureau links to their websites to order your free report. The credit bureaus will charge you if you order your report directly from them. This is only necessary if you have already received a free copy of your report in the last year. The consumer version of your credit report (consumer disclosure) includes data that is not provided on any other type of credit report, such as those obtained for mortgage purposes. There are three methods to obtain your credit reports,

• Online at www.AnnualCreditReport.com or,
• By phone by calling 1-877-322-8228 or,
• By mail, simply print, complete and mail the request form available at https://www.annualcreditreport.com/cra/requestformfinal.pdf  to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Once you receive your credit reports, review each to see if any errors exist. If errors are found – follow the dispute process identified on each credit report (this can be done online, or by mail.) Federal law (FCRA) requires most disputes be completed within 30 days. At the time this was written, we’re seeing most disputes completed within about 3 weeks.

Here’s the best part – Once you obtain copies of your credit report – each repository is required to provide you a toll-free number answered by a live person to help you with any questions or concerns you have about your credit report, or the dispute process. These live customer support agents can also provide a fax number so you can forward any supportive documentation.

Most importantly - All of the above is provided absolutely free of charge.

This process gets your dispute addressed by each repository faster than possible through any credit repair company. See the FTC warnings about credit repair at http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm

The Number One Credit Repair Warning Sign - Charging Up-Front Fees
Many credit repair firms violate federal law by requiring up-front fees often disguised as "account set-up" or analysis fees. Some require you to purchase a training manual for hundreds of dollars just to access "free" credit repair. Credit Repair Organizations Act - Public Law 90-321, 82 Stat. 164 “404. Prohibited practices. b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.”

For more information on obtaining free copies of your credit report – visit https://www.annualcreditreport.com/cra/helpfaq

For more information on credit repair visit the Credit Technologies website at: http://www.credittechnologies.com/Credit_Repair.asp

Credit Technologies is one of TransNet Mortgage Corporation's preferred credit vendors.