Free Credit Checks - Credit Score and 
Credit Report Information  

Anual Credit Report

The official government website is located at www.AnnualCreditReport.com. You will receive a free credit report but will not receive your credit scores.


clean credit repair

Annual Free Credit Report

Free means free and you do not have to pay for your annual credit report gov.

If you don't feel comfortable ordering your credit report online then you can order it by calling 1-877-322-8228 or by requesting it by mail. Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348.

The free report does not include your credit scores. But, you will be able to see exactly what is in your credit history file and what lenders are viewing when you apply to purchase something on credit.

This is not a one time credit report. You are allowed to request a free credit report once every 12 months.

Repairing Credit Score

Don't know what to look for after you get your copy of your credit report? Here are a couple of tips.

One, look in the Public Records area and see if you have any judgments or tax liens filed against you. These are real credit score killers.

I recently spoke with a gentleman who was denied a job with a well known insurance company because he had tax liens on his credit report. These liens had been satisfied but did not reflect as such on his credit report.

Two, look for any late payments on any active accounts. Work toward having no lates within the 12 most previous months.

Delinquent student loans are also a real drag on ones credit scores. Either get these loans deferred or catch up your payments.

For additional tips on how to read your credit report and and understand your FICA credit score visit Check Credit Score .

 

 

 

 

 

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