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Check Your Credit

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First, order three of your personal credit reports, one from Transunion, one from Experian, and one from Equifax. When you get them, cover the actual contents of the report (that is no ones business but yours), photocopy  the heading and your name and turn in as your personal credit package. If you do not have a credit file with the three, then include in your package evidence that you have created your own file. Provide evidence that you have challenged or inquired about one of your least positive entries. That is, take the first step to repair or improve your file. If your record is flawless, let's discuss how you can complete this exercise.

Perhaps the best organization to assist you with debt problems is Consumer Credit Counseling. Check out their website:

Consumer Credit Counseling

Each of the three credit reporting entities have home pages. Go to each one and read about personal credit, your file and the Fair Credit Reporting Act. Show evidence that you have visited each site. Just click below to begin your tour:

    www.experian.com

   www.transunion.com

    www.equifax.com

My Fico Score from Fair, Isaac and Company

US Federal Trade Commission "Your Access to Free Credit Report"

  The Fair Credit Reporting Act

   Amendments to Fair Credit Reporting Act

US FTC Article: Credit Repair, Self Help May be Best

Electronic Credit Repair Kit - This website is somewhat slow, awkward and busy with ads, but it has all the information necessary for personal credit repair and is free.