DIY Credit Repair

by Terrence Clark

Stop paying for credit repair when you can do it yourself! I’ve provided the
steps to get you started today! You have my contact info, let’s talk and get started
to get you a better credit future which means making your money work for you and
not you working for the money!

Step 1 – Get a copy of your credit from Identity IQ for the $1 seven day trail.
• https://www.identityiq.com/signup-personalinfo.aspx
• Print and save a copy via pdf on your phone/computer/ paper file.
• Make sure you call to cancel the trial in 2 days @ (877) 875- 4347
• We will use this to identify your personal information is correct with all 3 credit bureaus
such as your name, date of birth, current address only and employer. Then we’ll move
on to identify all the negative items on your credit report and build our plan to

Step 2 - Update your credit information with the ‘Big 3’ credit bureaus.
• You need to make sure your current driver's license or state ID has the same address as
your currently physical address, as we are going to delete all other addresses on file. In
the event it doesn’t, that’s ok, you need to do it soon, but we can use a utility bill for
now.
• Make a copy of your driver’s license and either your Social Security Card or birth
certificate.
• Prefill the Personal Information Dispute letter I’ve attached in your DIY Credit Repair
documents and add a copy of your driver’s license and other government ID mentioned
above. *** DO NOT SIGN THE LETTER ***
• Send letter in the mail asap to make sure your information only shows existing
information. This will help deleting all negative items.

Big 3 Credit Bureaus Addresses

Equifax - Equifax Information Services. LLC, Atlanta, GA 30374 (866) 349-5191
Experian - PO BOX 4500, Allen, TX 75013 (888) 397-3742
TransUnion - PO BOX 2000, Chester, PA 19016-2000 (800) 888-4213
Step 3 – Suppress all your personal information by adding security freezes.
The purpose of suppressing your information by adding security freezes is to make it close to
impossible for the credit bureaus to verify your information, hence the 30 day dispute timeframe
they’ll be locked up from getting information provided to them and simply stamping ‘verified’
when you send your first round of disputes. Most of these you can do online right now. A couple
you’ll need to send in.

ONLINE OPTIONS
• https://www.optoutprescreen.com
• https://www.factortrust.com/consumer/Alerts.aspx
• https://optout.lexisnexis.com
• https://www.innovis.com/securityFreeze/index
• https://teletrackfreeze.corelogic.com
• https://isapps.acxiom.com/optout/optout.aspx
• https://datacloudoptout.oracle.com/optout
• https://www.intelius.com/optout
• https://optout.networkadvertising.org/?c=1
You can also email this one to opt out as well - privacy@epsilon.com
• https://www.hartehanks.com/privacy/preferences
This one you’ll select ‘home’
• https://www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/
placefreeze/!ut/p/z1/pZFRb4IwFIV_iw88yr2Ac7q3RhlzljnDiNgXgwsUFqCkdpL461f0ZTMT
TexDk977nfbcU2AQAavifc5jlYsqLvR5zYYbJFNiDQKki5cPG4nrUs-
x55Y3dmDVCSwHwH63vffFs277b6MgpDbOh-
f6MwAf79NrgN3jXwNH_YVFEF47H3CtNkFb-
hOfA6tjlfXzKhUQzfQuy2PK2gK7dkk30KbcmVMb4w2D8EJsT39Oqq0z0o5lkiYykea31OVM
qXr3ZKCBTdOYXAheJOanKA38T5KJnYLoLwl1GYZhdKBpMPt6KPaUkF7vB1R-
GIU!/dz/d5/L2dBISEvZ0FBIS9nQSEh/

MAIL LETTERS
• SageStream- https://forms.sagestreamllc.com/#/freeze-self
1. Complete online & upload info
2. fax at (858) 451-2847
3. Mail to: SageStream, LLC Consumer Office, P.O. Box 503793, San Diego, CA
92150

• Clarity Services - https://www.clarityservices.com/wp-content/uploads/2020/02/Security-

Freeze-Request.pdf
1. Complete online & upload information
2. Fax at: (972) 390-5743
3. Mail to: Clarity Services, Inc. P.O. Box 5717, Clearwater, FL 33758
• ARS (Advanced Resolution Services, INC.
1. Fax at: (216) 615-7642
2. Mail to: Advanced Resolution Services, Inc., 5005 Rockside Road, Ste 600,
Independence, OH, 44131

• MicroBilt Consumer Affairs - https://www.microbilt.com/us/consumer-affairs

1. Mail to:
MicroBilt/ PRBC
Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160
Phone: (888) 222-7621
Hours: Mon – Fri 8:30am to 5pm EST.