Free Annual Credit Reports

The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion to provide free copies of your credit report, at your request, once every 12 months.

How to Dispute Credit Report Errors

Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Negative Credit Report Information

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this.

How to Repair Negative Credit Report Information

How to Repair Negative Credit Report Information? Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act.

How To Improve FICO Credit Score

"How To Improve FICO Credit Scores" - Once you know your FICO score, you can work toward improving it. But improving your credit score can require time and commitment.