Obtaining your credit report is the first step to take when you embark on credit repair. An amendment to the Fair Credit Reporting Act (FCRA) requires each of the major Credit Bureau (Experian, Equifax and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months.
If you plan to buy a house, a car or any other major purchase, it is important to find out what your FICO score is and determine if it is worth taking actions to improve it. You should do this 3 to 6 months in advance of applying for a loan, as it can take several months for your actions to improve your credit score.
To order your annual credit report online, visit www.AnnualCreditReport.com
Alternatively call 1-877-322-8228 to order your free credit report
Or complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281.
You will be asked to provide:
Social Security Number:
Date of birth:
Previous address: (if you moved in the last 2 years)
You are also entitled to a free credit report if a company denies your application for credit, insurance, or employment, but you must ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company.
You're also entitled to one free report a year if You're unemployed and plan to look for a job within 60 days; if You're on welfare; or if your report is inaccurate because of fraud, including identity theft.
The following techniques will help correct your credit and should be done with all Credit Bureau.
In this section you will learn the ways of removing negative items from your credit file. These methods are sometimes referred to as "Credit Repair". These are the exact same methods credit repair agencies and attorneys charge up to $3,500 to perform. Since they do not always do it correctly, consumers have been taken for millions of dollars over the years. We will also show you all the jealously guarded secrets on how to outsmart creditors who are damaging your credit!