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Credit Repair Business
Start your credit repair business today and help others achieve financial freedom while building your own steady stream of recurring income online. We provide you with EVERYTHING!
Resources
Credit Bureau Addresses
Experian
P.O. Box 4500
Allen, TX 75013
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
Specialty Consumer Reporting Agency Addresses (SCRAs)
LexisNexis Risk Solutions Consumer Center
Attn: Security Freeze
P.O. Box 105108
Atlanta, GA 30348-5108
CoreLogic Teletrack
Attn: Consumer Disputes Department
P.O. Box 509124
San Diego, CA 92150
Innovis Consumer Assistance
P.O. Box 530088
Atlanta, GA 30353-0088
Clarity Services, Inc.
Attn: Consumer Support Division
P.O. Box 16
Allen, TX 75013
ChexSystems, Inc.
Attn: Consumer Relations
P.O. Box 583399
Minneapolis, MN 55458
Federal Credit Laws
Regulates how credit reporting agencies collect, use, and share consumer information.
Protects consumers from unfair billing practices and provides dispute procedures for billing errors.
Limits abusive practices by debt collectors and outlines consumer rights.
Prohibits discrimination in lending based on race, color, religion, sex, or other protected characteristics.
Allows consumers to access their credit reports and place fraud alerts or credit freezes.
Credit Repair Terms
Information that can identify an individual, such as SSN, birthdate, or financial data.
A record of activity for any type of credit extended to a borrower.
The percentage of available credit being used; affects credit score.
A request to a credit bureau to correct or remove inaccurate information.
A credit card backed by a cash deposit to help build or rebuild credit.
A credit check that does not impact your credit score.
A credit check that can lower your credit score slightly.
A debt considered unlikely to be collected and written off by the creditor.
A debt account turned over to a collection agency after non-payment.
General Credit Terms
A detailed record of an individual’s credit history.
A numerical representation of creditworthiness based on credit history.
An institution or person that provides money or credit to a borrower.
The cost of borrowing money, expressed as a percentage.
Moving debt from one account to another, usually to take advantage of lower interest rates.
A loan backed by collateral.
A loan not backed by collateral, based solely on creditworthiness.
The maximum amount a lender will allow you to borrow on a credit account.
Consumer Rights & Protections
Consumers can challenge inaccurate or incomplete information on their credit reports.
Consumers can prevent credit reporting agencies from sharing credit information temporarily.
Consumers can request alert on their credit report if identity theft is suspected.
Consumers are entitled to one free credit report per year from each major bureau.
Consumers must be informed of negative information or adverse actions based on credit reports.
Consumers must be informed of negative information or adverse actions based on credit reports.