Any files or letters required within this handbook can be found in our oh-line store  You see them  HERE:


  • Sign up for privacy guard PrivacyGuard to get all three of your credit reports & scores for a $1.00 which is a 14-daytrial period, $19.95 per month afterwards.
  • Credit Karma  – This is free, and you can also download the app to your mobile devices. You will only have access to your Transunion and Equifax Vantage credit scores and reports. The scores you receive in Credit Karma are your vantage scores and not your actual FICO scores, some call these fako scores, but these totals will at least give you a general range of where you are on the scoreboard and will update according to what’s being reported on your credit report.
  • Credit Check Total – This cost $1 for a free 7-day trial and then $29.99 a month after your trial has expired. If you call and cancel on the 6th day, credit check total will offer you the subscription for $14.99. You will have access to all three credit bureaus FICO scores and reports. Also daily credit monitoring & alerts. You can also download this on your mobile devices. The scores you receive in Credit Check Total are your FICO scores and any changes to your credit reports will be updated here monthly with paid subscription.
  • myFico  – The cost is $29.95. Included in this price you will receive Instant access to your 3-bureau credit report and FICO Scores— including the FICO Scores most widely used in mortgage, auto and credit card lending, and the newly released FICO Score 9. Access updated credit reports and your most widely used FICO Scores every quarter. Track your FICO Score 8 from each bureau on a historical tracking graph.
  • Free Score OnlineScoresense” – This cost $1 for a free 7-day trial and then $39.95 a month after your free trial has expired. You will have access to all three Credit Xpert credit bureaus  scores and reports. Also daily credit monitoring & alerts. You can also download this to your mobile devices.
  • Get a free copy of all three of your credit reports. You can get these from Annual Credit (You are only allowed one free report from each bureau once a year).

When you order a $1.00 3-Bureau Credit Report Scores from the above credit monitoring websites, you will begin a 7-day trial membership and IF you don’t cancel your membership within the 7-day trial period, you will be billed for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge. Also, keep in mind your lender or insurer may use a different Score than the versions you receive from the above credit monitoring websites, or another type of credit score altogether.

To remove public records i.e. Tax liens, judgments, & bankruptcies, you must contact the following third party reporting agencies & have your consumer files frozen. You also should suppress files as well especially with LexisNexis.

All files must have a credit freeze prior to getting a bankruptcy, tax lien or judgment removed. The 609 letters can be used to remove theses public records that are reporting on the 3 credit bureaus. Use the public record removal letter for these type of accounts.

If you are in Chexsystems and you are trying to get a bank account. You can have a security freeze placed on your Chexsystems.

Credit Bureaus Contact Information


TransUnion: Website
TransUnion Mailing Address
TransUnion Consumer Relations TransUnion LLC
• P.O. Box 2000
Crum Lynne, PA 19022
• 555 West Adams St Chicago, IL 60661
$1 Offer – TransUnion Credit Monitoring

TransUnion Phone Numbers
800-916-8800: Disputes Items & Status Checks 877-322-8228: Free Annual Credit Report
800-888-4213: Purchase Credit Report 888-909-8872: Place a Security Freeze
800-493-2392: Credit Monitoring Customer Support
866-922-2100: Business Services Assistance1


Experian: Website
Experian Mailing Address
Experian National Consumer Assist. Center
• P.O. Box 4500
Allen, TX 75013
• 701 Experian Parkway
Allen, TX 75013
Experian Phone Numbers
800-509-8495: Dispute Credit Report Items
888-397-3742: Report Requests & Fraud Help
877-284-7942: Existing Customer Support
888-243-6951: Business Credit Services


Equifax: Website
Equifax Mailing Address
Equifax Credit Information Services, LLC
• P.O. Box 740256
Atlanta, GA 30348
• 1550 Peachtree Street, NW
Atlanta, GA 30309-2468

Equifax Phone Numbers:
866-349-5191: Dispute Credit Report Items
800-685-1111: Request Free Credit Report
888-766-0008: Place Fraud Alert on Profile
866-493-9788: Existing Customer Support
888-202-4025: Business Solutions