Serving Hayward, Castro Valley, San Leandro, Union City
Fremont, San Lorenzo and surrounding communities.

Credit Reports

Your Credit Report

Have you had situations in the past resulting in credit problems? There are many reasons why credit problems occur:

• You were a co-signer on a loan that wasn't paid on time
• You allowed somone else to use your credit cards
• You may have thought you spouse paid the bill
• You thought your insurance company was going to handle the payment

Here are some helpful hints for your credit report:

• Never go over 90 days past due on any accounts
• Keep your credit card debt below 50% of your monthly obligations
• If paying bills after the due date, always pay within the grace period

If there are errors on your credit report you can make corrections to the credit report by contacting the credit bureaus from which the credit reporting agencies obtain their information.

It is important to first contact the initial creditor such as your credit card source or bank to initiate the change. Make sure that you record the date, time, details of the conversation and full name of the person you spoke with.

Also request that written documentation of the change be sent to you by mail or FAX. The next step is to contact the three credit bureaus as listed below.

It is important to note that only the credit bureaus can make changes on their records and the three bureaus do not share information.

• EQUIFAX/CBI
  P.O Box 740256
  Atlanta, GA 30374
  800-378-2732 / 800-685-111
• EXPERIAN/TRW
  701 Experian Pkwy, P.O. Box 949
  Allen, TX 75013
  800-422-4879
• TRANS UNION CORP.
  P.O. Box 390
  Springfield, PA 19064
  800-580-1918 ext. 6450

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