Fixing your credit

Before you learn the ins and outs of credit repair, the quirks
of the credit reporting agencies, your legal standing to correct
the credit agencies or the tactics to employ in your dialog with
them, you must learn what they are saying about you.

You MUST get your credit reports - all three of them. The three
major credit reporting agencies will likely have a report on you.
You need to see what's on each of these three reports.
The easiest way to get your reports is to visit this link:

https://www.annualcreditreport.com/cra/index.jsp

This site will walk you through downloading each of the three
credit reports. You can order your credit score from each of
the three agencies for about $9 per report.

Once you have recieved your reports be sure to print and copy
them so you will have one original, one working copy to mark up
and one copy to send out as needed.

The reports can be confusing to read so go easy on yourself and
expect it to take you a day or two to read the instructions and
contents of each report.

If you've completed this step, getting your credit reports and
credit scores, you are already way ahead of about 50% of the
people who really need credit report help. Good for you!