How can you get your three credit report and get them for free. If you read on I will show you the way to get these and what you need to do to use them to clean bad credit.
Equifax Experian and TransUnion, are the main credit bureaus and have to provide upon a request a free report every year. Getting your three credit reports this way is easy.
Many sites on the web will give you a trial period for a free credit score and report. The three major credit agencies control most of these. The only problem is you will only get one report and score but will need to pay for all three. One possible way around this is to sign up for each individual agency for a free trial, get each report and score then be sure to decline your membership or you will be charged for all three monthly charges. Now you have three credit reports without paying a penny.
If you are currently looking for a loan or have done so recently and have giving someone permission to pull your credit you can ask them what your scores are. If you can do this or you already know your scores you can request your free three credit reports from the three major credit agencies. There are 3 ways to do this:
* AnnualCreditReport.com is the only official site where you can request your free annual report from all three credit agencies. * You can get a request form from www.ftc.gov/edu/resources/forms/requestformfinal.pdf, fill it out and send it to: Annul Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. * They can be requested by phone; 877-322-8228.
If you do need your score along with your three credit reports you will need to go online to one of the web sites and sign up for a free trial. After you obtain your score and reports cancel you subscription to avoid being charged. Plans also include free credit score gov (freescorereportgov.com)
Improving credit; make your payments by their due dates, decrease balances, seek a increase in credit lines and avoid their usage, and do not seek more credit.
Cleaning poor credit; examining the three credit reports find any errors, entries that are duplicates, and anything over 7 years old, 10 years for bankruptcies. Send these and letters of explanations with any information to help your cause to the credit agencies.
Now that you know how to obtain these reports you can improve your credit and clean your credit with your three credit reports.