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 bureaus (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.

You cannot order your free annual credit report directly from the credit bureaus. The 3 major credit bureaus have setup one website, toll-free number and address through which you can order your free report.

To order, visit

www.annualcreditreport.com

or call 877-322-8228

or complete the Annual Credit Report Request Form and mail to:

Annual Credit Report Request Service

P.O. Box 105281,

Atlanta, GA 30348-5281

You will be asked to provide:

Your name:

Address:

Social Security Number:

Date of birth:

Previous address: (if you moved in the last 2 years)

Other ways to get a free credit report

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 Bureaus.

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 clinics 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 past years. We will also show you all the jealously guarded secrets on how to outsmart creditors who are damaging your credit!

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