Author Archive

Addresses for Disputes on Credit Reports:

Experian
NCAC
P.O. Box 9556
Allen, TX 75013
Equifax Information Services
P.O. BOX 740256
Atlanta, GA 30374
TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000

Credit Score Examples

The person with the 780 score:

Has at least 10 credit accounts in total and a 15-year credit history.
Uses 15% to 25% of her credit card limits.
Has no late payments on her credit reports.
Has no collection accounts or other major negatives.

The person with the 680 score:

Has six credit accounts and an eight-year [...]

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Opt Out of Credit Card Offers
You can also fill out the form online www.optoutprescreen.com to opt out of all credit offers sent to you in the mail.
Get Rid of Junk Mail
To get rid of most other junk mail, write a letter giving your complete name, name variations and mailing address to:
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P.O. Box [...]