Believe it or not, a majority of credit reports offered on internet don’t have required information (File Number, Confirmation number, or Report number) needed to repair your own credit. So what happens? You try your best to launch a dispute (with wrong credit report), you find it impossible, you spend more money on new reports, you get frustrated, and you finally give up. Once you have given up, you have saved credit bureaus a lot of money—and they even made some off you in process!

Below are four tips that will make process of ordering your credit reports less intimidating. These tips will also guarantee that you get right reports needed to repair your credit yourself.

First Tip: DO NOT order your credit reports online. There are over 100 different types of credit reports available on Internet and very few can be used to repair your credit. When you order your credit reports by phone you are GUARANTEED to have following; File Number (Trans Union), Confirmation # (Equifax), or Report # (Experian). Once you have those numbers you can begin to repair your credit.

Second Tip: When ordering your credit reports by phone, always choose option that says you have been declined credit or employment in last 60 days. When you choose that option you might get your credit reports for free. If not, you might have to pay a small fee.

Bad credit is where a borrower has a credit record which discloses a default on repayment of a debt or loan facility. Sometimes existence of a county court judgement does not mean that borrower is a bad payer as bill or debt in question may be subject to a genuine dispute. However if record shows a number of County Court Judgements this a warning sign to any financial institution of a possible bad credit.

If you have a bad credit rating or adverse credit rating you may find it difficult to obtain a standard personal loan. These types of loans are also known as poor credit loans.

A Bad Credit loan is a personal loan for people with bad credit which is secured on your home. It frees up spare capital (or equity) in your home for you to use on whatever you want.

A Bad Credit loan is ideal if you want to raise a large amount and have a poor credit history – you may be able to get a Bad Credit loan even when you have been turned down for an unsecured loan.