Credit Repair Q and A - Credit Reports - By: Ian Webber

Make Your Life Easy

The first step in the credit repair process is a detailed review of your credit reports. The credit report you choose matters. The right report will make the job easy. The wrong report will make the job hard. Inasmuch as each point on your credit scores count, every advantage you can give yourself should be taken. The subject of reports is often near the top of the list of credit repair Q and A subjects.

Free Reports

Credit reports come in many different formats. If you get your reports for free from annualcreditreport.com you will get three individual reports, one for each bureau, in three different formats, none of which are particularly easy to decipher.

Paid Reports

If you limit your credit report experience to these free reports you might imagine that all credit reports are either cryptic or poorly designed. As often explored expressed in credit repair Q and A sections of popular forums, look a bit further and you will discover that if you pay the credit bureaus you will receive vastly different, well designed, and easy to read reports, which will make your credit repair job much easier.

Credit Report Options

For credit repair purposes, it is essential that you have all three credit bureau reports. Each of the three major credit bureaus offers an excellent, user friendly report for a small price via their websites; these individual bureau reports are a fine choice. But better yet are the tri-merged reports also offered by the three bureaus.

The Best Credit Report

A tri-merged report includes credit data from all three bureaus in a single form. Each of the bureaus has done an excellent job of creating a clear format that will facilitate your ease of use, with no sacrifice of detail.

To Monitor or Not to Monitor

You may find that you need to join a monthly monitoring service in order to get your tri-merged report. This is not necessarily a bad thing; as is often suggested in credit repair Q and A forums, it may be helpful to your credit repair project to have the ability to monitor your progress in this manner. And at the time of this writing, the bureaus offer no-obligation cancellation policies, so if monitoring is not your thing you can cancel once you get your nice tri-merged report.

Copyright © 2010 Ian Webber. All Content. All Rights Reserved.

About the Author

Ian Webber is an expert in consumer law and credit repair. Ian is a graduate of the London School of Economics and The University of Chicago where he earned his LLM. Ian offers his advice via several popular credit repair Q and A forums and popular online publications.

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