When it comes to credit repair, planning is certainly the key thing. So, regarding the essential credit report you need to get your hands on to start your credit repair, try to think in advance and benefit from the federal law which entitles you to a free credit report annually from Equifax, Experian or TransUnion.
With the new era of the Internet, people are often confused about where to go to get a reputable source for their free credit report. They just type “credit report” or “annual credit report” on Google and end up on some site where they have to give their credit card number or have to call back in a few days to cancel a subscription service they didn't even want to pay for.
If you're in a credit repair situation, you know how giving out your credit card number can be costly, and could've in fact contributed to why you've put yourself in the situation you're currently in in the first place. Therefore, one of the best ways to get your credit report and to take care of your credit repair is to order it annually.
Annualcreditreport.com is highly ranked as a suggested option for a free credit report. This address is the one to type in if you're looking for a trustable annual credit report site. You can also contact them through phone or even use the mail if that's how you're used to doing things. For that last option, you can go on the website and get the appropriate form to then fill in manually. Just put the right address on the envelope and you're good to go! There's going to be a few weeks delay before you receive your credit report, but it should take less than a month by traditional “snail” mail.
Another smart thing to do would then be to order your free annual report from each of the bureaus and spread them out through the year. This would allow you to get a regular source of information on your credit information about 4 times a year and make sure that your credit situation never gets out of hand without you knowing about it.
Where is my credit score?
Unfortunately, these annual reports don’t give you your credit score so don’t be surprised. You can order that separately at Equifax, Experian or TransUnion and then you will be able to compare how your credit report looks for yourself with the rest of the population with all the needed information.
In the end, your credit score and credit report are your main tools that serves as a compass to take care of your credit repair and without them you will be pretty much left in the dark about what to do. Also, the more regularly you get an update on either your score or all the information in your report, the better off you will be. Your report contains all sorts of information concerning your accounts and late payments, so it’s essential to use that information to maximize every dollar you put into making your credit repair strategy work. Credit repair demands determination, strategy and... regular information! Going on a website like annualcreditreport.com will start you off in the right direction.