The first thing you will need to do is obtain a copy of your personal credit report from all three of the major credit report agencies.
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies – Equifax, Experian, and TransUnion.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure internet environment. They also provide options to request reports by mail.
To get a free copy of your three major credit reports just visit www.annualcreditreport.com.
Filed under: Credit Repair, Credit Report, Learning Center Tagged: | annual credit report, annualcreditreport.com, credit, efx, equifax, experian, FACT act, fair and accurate credit transaction act, free credit report, report, transunion, tu, xpn
[...] Step 1: The first step is to get a copy of your credit report from all three of the CRA’s. Remember in an earlier post I talked about how to get a free copy. [...]
[...] your three FICO scores to be calculated, each of your three credit reports must contain at least one account which has been open for at least six months. In addition, each [...]
Augustin, thanks for the blog post. I think everyone should know what is in their credit report. For those of you who would like to see your credit report for free, I found a site which shows you the best sites to get your free credit report from – http://Credit-Report.SuperSnappy.com – hope that helps.