Free Credit Scores – Why Do You Need Them

Your credit SCORE is the key factor for loan officers, lenders, and your creditors in determining what loans you’ll be approved for and how much you can borrow. It’s also a key factor in deciding what your loan interest rates will be for auto loans, mortgage loans, and personal loans. Also, what types of credit cards you can obtain is based on your credit SCORE. Your free credit report gov is just the raw data that’s used to come up with your credit score. Currently your scores are NOT included in your annual credit reports and there’s a fee to see each one. But there’s a way to obtain them for free. Learn more at this free credit score gov site

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from or 8773228228, the ONLY authorized source under federal law.

How To Rate Free Credit Score Offers

#1. Number of credit scores you get to see for free – This is one of the key factors in our review score and ratings. Ideally you want to see your scores from all 3 major credit bureaus to get a comprehensive view of your credit picture. Your scores also differ from each credit bureau. Naturally any offer that helps you to obtain all 3 scores will rank higher.

#2. Number of credit reports and files being monitored – This is also an important factor in seeing which service is good. You want the best and most comprehensive credit monitoring and identity theft protection service for maximum protection.

#3. Other Benefits & Features – All usually have decent customer service such as a toll-free hotline where you can ask questions and receive assitance, learning resources, advise and/or assistance if you ever become a victim of credit fraud, etc. Depending on who you ask, one service is better than the other. But you also have some offers with exceptional features others don’t have.

• Why Can I Receive Free Credit Scores?

Simply put, free credit score offers are set up so you can try out their credit monitoring or identity theft protection services. You can receive your credit reports for free once an year, but not your SCORES. Other benefits besides being able to see your credit scores for free include better protection from identity theft. After the free trial period, many will continue with a paid membership because they’ve enjoyed the benefits of the service. Others will simply cancel the service during the free trial period. But either way, you get to view your scores for free.

• What Affects My Credit Score?

Your credit score will come from the three major credit bureaus namely Experian, TransUnion, and Equifax. The score i based on the data that is contained in yur credit files. A unique algorithm is used to calculate your score. Some of the factors that affect your score included the amount of debt you have in relation to your available credit. The general rule of thumb is to keep your debt-to-credit level below 30%. Also, the number of credit accounts that you’ve openned can affect your credit rating or score. But more important is if you pay your bills on time.

• Benefits of monitoring your credit

The increase in identity theft is one big reason to monitor your credit. You may not be aware that you are already a victim of identity theft, only to find out that unknown bills were being charged to your accounts. By continuously monitoring your credit, you can immediately detect any discrepancy which enables you to fix the problem immediately to avoid further damage to your credit rating. In addition to identity thef protection, there may be serious errors on your credit files. Lenders may send erroneous data to the credit agencies. Identifying these errors helps you t fix them.

• Is the credit of my spouse affecting my credit?

Yes, Yes, if you share a joint account together. For instance, if a credit card account is owned by y and your spouse. But other than this, your credit score is only affected by your transactions and yours alone.

• What is the length of time before something pops out on my credit statement?

Usually, lenders update the agencies if there is a payment completed or is neglected within 30 days. But usually you’ll receive a notice from your creditors, reminding you to settle your payments before they report it to the agencies.

• How long does bad credit stay on my report?

Based on FCRA or the Fair Credit Reporting Act, it will take 7 years but depending on the situation. If you have tax loans, it will hang about for a decade and a half. If you have a bankruptcy, it will stay for a decade. It is important to consult a tax lawyer or representative for further details.

• Do I still need to pay this balance?

According to the Fair Credit Reporting Act or FCRA, bad credit data can stay on a borrower’s credit report up to seven years. But if you pay off or settle your debts with a creditor, you can often ask them to report this to have the negative marks removed from your credit files. If you have tax liens or delinquencies, this may linger on your credit files for up to 10 years. This is also the case for personal bankruptcies.

• How do I correct the inaccuracy on my credit report?

You can dispute any errors on your credit files by notifying the agencies. Usually by mail, but in this day and age you should be able to notify them online. Ask them to investigate the error. Be specific. It is their duty to investigate the errors and to correct or delete them.

• What discrepancies can I dispute?

Any activity you didn’t approve including those accounts opened using your name, any counterfeit or erroneous charges that were made, wrong personal information, can be contested.

• If I enroll with a company that offers credit monitoring, will this affect my credit score?

Regular inspection of your credit report will not affect your credit.

• In what situation will I receive a notification from a credit monitoring service or id theft protection service?

One of the main benefits of a credit monitoring service or identity theft protection service is immediate notification of any suspicious or unusual activity on your credit files. Depending on the service, you might receive immediate notification If a new account is opened under your name. These features vary from service to service, so it’s best to compare them beforehand.

Getting All 3 Credit Scores

Getting all Three Credit Scores

Getting all Three Credit Scores

There are many different ways to get all three of your credit scores. In order to get them all in one report you will likely want to go through a service. This is very rarely a free service, but some agencies give you your first one for free so as to show you what they can do for you and where you stand in your current credit numbers. The three different reporting agencies can all have different numbers based on their algorithm. Depending on what they check and how often, your number will fluctuate. Certain credit companies are more diligent about reporting numbers and can have a great impact on your bottom line. Knowing where you stand is the first step in getting your credit score on track.

Submitting Your Info

Before you decide which company to go with, do a little bit of research. You want to go to a business that has a good reputation as you will be providing them with your personal information. The wrong site could steal your information and then your identity. Most websites offering the service are reputable, but it is best to do a quick check, read reviews and know what you are getting. The first step is getting your free credit report from all three agencies. You can look over the details and determine what type of plan you might want to sign up for if you want constant access to your information.

Choosing a Plan

When you are looking to borrow money or you need to make sure you have a great percentage rate, you need to know what your credit score is. Even a few points can make a difference in your percentage and over time that costs you more and more money. By signing up for a service you can check once a week, you can see how your efforts to alter your credit score are coming. You can write letters and contest points and watch as they fall off your report. This is usually a worthwhile plan for anyone getting their credit back on track or has many items to fix.

Daily plans are also available. For these they will send your score to you everyday, but often this is only from one credit service. You can find sites that will do all three and you should know what you are looking for before you sign up for such a service. You don’t want to pay the money and not get what you need.

Why Are There Three?

It might be confusing as to why there are three credit reporting agencies. The simple answer is competition. Different companies started tracking the information and began selling their services to the banks. They also then provided the data to clients. The companies all built reputations and made different contracts so it is a standard case of competition. These credit reporting agencies continually update how they check and what they do so the contracts change. Some people like one company better than others and will make exclusive contracts with that company. In the mortgage market they tend to check all three credit scores but it all depends what they find.

Getting Your Score on Track

The more you know about the state of your score, the more accurate you can get your report. You need to know what to request in order to make any changes. You can study your percentage of money out against what you have available, all your bad marks and you can start making changes. Knowing what you are doing is imperative to getting what you need.

Credit reporting is much less confusing than in times past. The more you understand about what companies are looking for the better it is for you. You are responsible for everything on your report and while you can’t control what people see, you can make sure it is representative if you. Without an accurate report you can be denied what you want based on false information. This only hurts you and no one is going to help you, it is entirely up to you to get the report accurate.

Where can I Get all Three Credit Scores?

Where can I Get all Three Credit Scores?

Where Can I Get All 3 Credit Scores?: Disputing Errors on Credit Reports 

For those who ask “Where can I get all 3 credit scores?”, here are some options. You can visit the websites of the credit bureaus directly and get a free 30-day trial where you can view your credit scores and credit reports. allows you to view free credit scores and Nasdaq’s Fabulous Freebies offers free credit scores. Do not fall for gimmicky credit monitoring websites that claim to give free credit scores but in fact they have hidden fees. One of the main reasons people have poor credit scores is because of errors on a credit report and you need to know the proper ways to dispute errors on your credit report.

General Tips on Disputing Errors

You need to write letters to all three credit bureaus and let them know the specific errors that are on the credit reports and you need to mail copies of all receipts and notifications of payments from your creditors as proof that you paid the debts that are still on your credit reports. Also include a copy of the credit report where you marked off the errors with a red or black pen or marker. The credit bureaus must respond to your request within 30 days and they have to provide your dispute information to the creditors who claimed you still owe them money. Another option is to write to the creditors and dispute what is on your credit report.

Do Not Dispute Errors Online

Consumer affairs experts say that it is not a good idea to file disputes with credit bureaus online because you need to keep evidence of the letters you received from the credit bureaus and the original creditors in the event that you do not get the results you want or if you need to follow up on a previous request regarding your dispute.

What If I Suspect That Credit Fraud Happened?

You can dispute errors for this cause the same way you would if fraud had not happened but in addition to the above mentioned steps, it would be a good idea to write to the addresses that fraudulently appear on your credit reportand ask that they remove the information from the report. Also, you need to file a report with the local police department and the Federal Trade Commission if it is a serious case of fraud.

Part 2: After You Cleared The Dispute

Now that you wrote the dispute letters and the credit bureaus removed inaccurate and fraudulent information, you can now work to pay off the legitimate debts that are still on the credit report and it takes discipline and an understanding of your income and budget. Cut out unnecessary spending and if you have to, take on another job in order to improve your credit score. Do not apply for new credit during this time and save money for emergencies.

Divorce and Your Credit

When you get a divorce, you credit will be affected in various ways because in community property states such as Louisiana and New Mexico, all debts incurred during the marriage by both spouses will be partially responsible for the debt. Once you file the divorce papers it is important that both of you pull up your credit reports and look over the accounts you opened jointly and which ones you opened individually before marriage so you can determine which accounts both of you are responsible for. Another thing you should do is remove your spouse’s name from the joint checking account and certain credit card accounts so you will be able to rebuild your own credit.

Getting a Credit Score of 850

If you want a credit score of 850, you should pay all your bills on time each month without skipping or mailing them late frequently through the year because your payment history is an important part of the credit report. Another thing you should do is eliminate errors on the report and not apply for multiple credit accounts within a period of weeks as it lowers your score.

Where can I get all 3 credit scores? That is a very common question today, and with the information mentioned above, you should be able to get the report from time to time, and be able to manage your finances from now on.

Free Government Credit Report

Free Government Credit Report

Free Government Credit Report

Many people confuse the rules of the Free Trade Commission (FTC) with the idea that you are entitled to a free credit report government ( every twelve months. The truth is the FTC made a law that the credit reporting agencies must provide you with a free copy of your credit report as it stands with them once every twelve months for free. Because the information in that report so affects what you can do in the financial world it is only fair for you to know exactly what is on it. In addition, the only way you can correct errors is to know what you are dealing with. If you have no access to the report you cannot get things corrected and you could be denied credit for false information.

Why Does it Need to be Free?

There are a few reasons it is made for free. One is that it is information about you and you should have access to it. The credit reporting agencies were making a fortune from people as they were charging each and every time you asked for one. If you were trying to get something corrected on the report you were paying multiple times until you found out it was corrected. Another is that it helps keep the credit reporting agencies honest. Not that they would put things on your report that were untrue, but mis-information is easy to come by. Now that people can easily check what is on their report and they have to correct things that are wrong, they spend a little more time making sure the information is right in the first place.

When Should I Check my Free Credit Report?

You don’t typically need to check your credit report more than once per year. If you know what is on there and you are aware of what you are doing with your money, your score is unlikely to change by much. You want to check your credit report if you are planning on doing big things like buying a house. In these cases you will want to start the process a few months ahead of when you get started. This gives you time to fix anything bad on your credit report that is not accurate before the mortgage company or underwriter looks up your number. This will help you secure the best possible interest rate and save you hundreds of thousands of dollars over time.

Why Does the FTC Care?

The FTC was set up to protect the consumer. While they have many jobs, one job is to police predatory lending. This is when lenders take advantage of your needs and charge you way too much for loaning you money. Most people think of this type of lending when considering loan sharks or other below the table types of lending establishments. These lenders charge too much for their services and the loan sharks often come with a threat of violence. The FTC is there to keep all the lending services in line. To check in and make sure interest rates are fair and that they are treating all people the same. As a commission it is one of the most comprehensive commissions that is all about public safety and your best interests.

Getting your free credit report helps to keep you in the loop when it comes to your financial situation and future. The last thing you want is to start the process of buying a house or borrowing money only to find out you don’t qualify because you didn’t know what is on your credit report. It is also a great way for you to keep on top of potential identity theft. You can sign up for a service that will give you a credit score daily. It doesn’t count as “looking into your credit” and the cost of such a service is usually just a few dollars a month. The more you know about how you look to lenders the more prepared you can be for the rates you are offered and what you can look forward to when you need to borrow money or start a new credit card.

Free Credit Reports From All 3 Bureaus

Free Credit Reports From All 3 Bureaus

Free Credit Reports From All 3 Bureaus: Suspicious Activity

If you think you have suspicious items on your free credit reports from all 3 bureaus, you need to contact all three of the credit bureaus immediately because there is a chance that you became the victim of identity theft. Another thing you can do is ask the credit bureaus and your current creditors as well as your bank to place a fraud alert on these things once you find suspicious activity on the credit report. You want to record the names, numbers and addresses of the suspicious items that appear on the credit report so you can turn this over to the local police.

How Suspicious Activity Ends Up On Your Credit Report

One of the main ways through which a suspicious activity occurs when people need free credit reports from all 3 bureaus is when there is a credit card fraud and this is how credit card fraud happens. When a thief picks your pocket he may obtain your credit card and charge a lot of things on it. If you do not tear up your credit card statements before throwing them out, a dumpster diving thief can go through your garbage and locate your credit card account number and use it for purchases. There are also people who watch you enter your PIN number at the counter.

How Credit Card Fraud Hurts Your Credit

When you become the victim of credit card fraud, you get higher and hard-to-eliminate credit card balances that decrease your credit score greatly and this causes you to get turned down for more credit cards, home loans and car loans in the future. Credit card fraud may even cause you to declare bankruptcy if you have excessive debts that are nearly impossible to pay. Therefore, this should also be considered when managing your finances.

How To Learn More About Credit Card Fraud and Effects on Credit

The Federal Trade Commission’s website has plenty of information on how you can avoid credit card fraud and how to review your credit report for suspicious activities. Another idea is to talk to people who experienced credit card fraud and ask them how they rebuilt their credit following this situation. Local personal finance seminars also feature information on identity theft and your credit, and business magazines offer assistance on this topic.

Removing Fraud from Credit Report

To remove credit card fraud from the credit reports, you need to document all items on the credit report that you did not charge to your credit card accounts and also record unusually high balances on certain accounts that appear on the credit report. You should write any inquiries made about your credit that were not made by you or companies you applied for credit with a few months ago. Once you have all of the information you need to write letters to the three credit bureaus.

Monitoring Your Credit Card Accounts

Once a year, you need to gather your credit card statements and free credit reports from all 3 bureaus and see if the items you charged match. If the items do not match, you should contact your creditors immediately and find out if suspicious activity is on your account and credit reports. It may also be safer to get your statements through e-mail although you will still need to be careful for fraud. If you get letters from collection agencies that represent companies you never received services from, you need to find out if fraud occurred.


When you experience credit card fraud, it is important that you take action immediately so that you salvage what is left of your credit. Once you notified the credit bureaus and they put a fraud alert on the credit reports, it is time to start rebuilding your credit. Your best bet is to meet with a credit counselor who has experience in handling cases where identity theft is involved. Also be prepared to not have excellent credit for a number of years following the fraud. Get emotional support from friends and relatives and make small changes to your saving and spending in order to rebuild financially.

All 3 Credit Reports and Scores

All 3 Credit Reports and Scores

All 3 Credit Reports and Scores: About Pulling Your Credit Information 

As a consumer who wants more credit or needs an important loan, it is important that you pull all 3 credit reports and scores because you need these documents to help you find out if you have excellent or lackluster credit. All lenders of home, business and car loans run credit checks and they either deny credit or give you credit with high interest rates if your credit is not the best. If you see some outstanding debts that you can afford to pay, pay down these debts before applying for new credit, and you should also clear errors off your credit report.

How Can I Remove Unauthorized Inquiries From My Credit Report?

You can write a letter to the creditors who requested to view your credit reports and scores and ask them to contact the credit bureaus and tell them to remove the inquiries from all 3 credit reports and scores since they were done in error. Always send these letters by regular mail and keep copies of these letters for future references. Never send them by e-mail. If the creditors still do not complete your request after a month, you need to contact the credit bureau directly and mail them copies of the fraudulent information on the credit report.

Improving Bad Credit Scores

One of the best ways to improve a bad credit score is to start making timely payments on your bills and if you have credit cards, you should pay more than the minimum balance because if only the minimum amount is paid by you each month, you are not really paying the actual amount you owe but mostly the interest accrued on the balance. Check your credit reports for errors if you feel these are bringing your score down. Do not apply for new credit since it also lowers your score. Pay for things with cash or checks until you improve your situation.

Obtaining a Free Credit Report and Score

To get a free credit report, you should visit and this is the only credit monitoring website that is authorized by the federal government, and they offer free credit reports once a year. When you view your free credit reports you should print them so you can refer to them in the future when it is time to look over your financial records. To get a free credit report you can visit and get the credit score.

Understanding Your Credit Scores

One aspect of your credit report is the negative problems that are on it and this plays a major role in how high or low the credit score will be. If you have numerous late payments, credit inquiries, bankruptcy or tax lien on the report, you will have a lower score. If you have 30% of your accounts in good standing, you will have a higher credit score.

Credit Application Rejection and Your Credit Score

Every time you apply for new credit, the creditor will check your credit score and other financial information. These inquiries appear on your credit report and will stay there for at least seven years. When potential lenders see the multiple inquiries on your report from credit agencies, they will assume that your credit is so bad that most credit agencies will not give you credit, and as a result your credit score lowers. However, you can view the credit report if you want to find out why you keep getting rejected by lenders and credit agencies so you can make changes.

What Will Bankruptcy Do To My Credit?

Bankruptcy is a decision from the court that gets rid of the debts you owe and offers you a flexible repayment plan to rebuild yourself financially. While this is an immediate relief to you, there are still some consequences that affect your credit. Chapter 7 and 13 bankruptcies remain on your credit report for ten years and this is why it is recommended that you avoid applying for new credit right after filing for bankruptcy. After getting all 3 credit reports and scores, and you want to rebuild your credit after bankruptcy, you can get a secured credit card and pay the bill on time so your credit score will increase.

Why You Need to Get 3 Credit Scores in One Report?

Why You Need to Get 3 Credit Scores in One Report?

Why You Need to Get 3 Credit Scores in One Report

The current state of the credit reporting system is often frustrating to the average person. The truth is that your credit score affects almost everything you do financially so it is important you stay on top of the information. Even if you are a person who pays all your bills on time, you never know when something might slip through the cracks and end up on your credit report. Even the smallest demerit can result in a massive change of your score and can force you into higher interest rates and credit denial. While you expect the credit reporting agencies to be accurate, because it is your score it is your job to make sure they are.

What is My Credit Report?

Your credit score is based on your credit report which is a listing of all your debt, your payments and any monies you owe overall. The credit score is based on how often you pay off your bills and in relation to how much credit you have and how much you have available to you. It is also important to note that any unpaid bills, collections notices and checks into your credit all take a toll on your report. Other companies don’t want to see that many other places are checking into your credit. This makes it look like you are desperate as well knowing that you may be opening other lines of credit that might affect you ability to pay. This was decided on as a fair way to tell whether you are a good credit risk and protect those who are lending the money.

Why are There Three Reporting Agencies?

The reporting agencies are entirely different collections of information. Just like anything else in a competitive market they are constantly developing ways to be more accurate in their reporting and figuring out how to access your credit in a way that makes sense. Every company that checks your credit prefers a different method. Some agencies are more difficult to work with when getting things removed from your report and others are more sensitive to all changes. There is no rhyme or reason as to why a certain company works with one company and not another, but you have no say in which report they are going to check. That is why it is imperative you know what is on all your credit reports.

Why I Need to Know the Score of All Three

Because you have no control over which credit reporting agency is someone is checking. You need to know exactly what is on all of your credit reports in order to ensure your number is accurate across the board. If you have two credit reports listing you excellently and then one with a bad score that can be enough to tank your loan or increase your interest rates. Your credit score is the whole of what these companies will know about you. To qualify for the best loans your number needs to be high. The thing is, when you qualify for low interest rates you end up paying less on everything. This means you are saving more money and are able to stretch your income even farther. All of this is dependent on your credit score across the board.

Three credit reports might seem excessive, but the way they find out their information is different. In the current financial climate, lenders are using any excuse they can to charge you more money and to set you at a higher interest rate. Because of this you are stuck between a rock and a hard place if you have anything negative on any of your reports. By working with the bureaus you can ensure accurate reporting and make certain that you don’t have anything untrue on your report. You can also get items removed that are old or that have been rectified. This can make a huge difference in your credit number and ultimately help you build a stronger financial picture for you and your family. Knowing what your number is in only the first step and you need all 3 credit agencies listed on a single report.

View all Three Credit Scores

View all Three Credit Scores

View all Three Credit Scores

Credit scores are vital to most everyone who wants to own a home, begin a business, take an expensive trip or just live a comfortable life with options. To have good credit is to be able to pay less money because you are able to obtain the best interest rates. A credit score lists many things about your personal finances;

  • How you pay your bills, whether they are on time or are late
  • How much you owe to each creditor
  • How much you are using of your available credit
  • Whether you have declared any type of bankruptcy
  • Whether you have any tax liens on your property or have had court judgments against you.

Three Bureaus

There are three main credit bureaus that will be used to check your credit worthiness by any type of lender, whether it is a bank or a credit card company. These are;

  • Transunion
  • Experian
  • Equifax

These credit bureaus will be able to report back to the lender whether you are credit worthy or not. Credit worthiness is so important but most individuals do not even think twice about their credit report or their credit scores. Before you even begin to think about a big purchase in your life, take the time to view all three credit scores. To view all three credit scores, simply request a free credit report from each credit bureau. A free credit report is available for anyone once per year from each of the three credit bureaus. If there is something wrong with your personal credit file then you will need to take prompt steps to remedy the problem. What can you do? Here are some options;

  • Call each creditor that is listed on your report and make arrangements to pay what you owe in full.
  • Try and negotiate a payment plan with the lender
  • See if the lender will take a smaller up-front payment
  • Ask if the lender will take the steps to remove the negative listing from your report.

If you do notice something on your personal credit report that is not correct, take the steps to appeal or to ask for an investigation. Once an investigation has been conducted and the problem is known not to belong to you, the credit bureau will remove the listing from your personal report. It can take anywhere from two weeks to a month or more to have the listing removed but it is well worth your time and trouble. If there are lingering problems you will most likely need to enroll in a monthly membership with one or all three bureaus so that you can stay on top of everything and be able to log in and out of your credit report. It is important to check and see if your score has increased or decreased and why. A credit report will also tell you who has been inquiring about your credit. Some credit inquires cause harm to your credit while others do not. It is important to know which ones will hurt your future credit.

A typical monthly membership can run from 10 dollars per month to 20 dollars or more, depending upon the credit bureau and what type of access to your account you need. Be aware that these memberships require that you give them a credit card or checking account so that the monthly payment is taken out automatically each month. You do have the right to cancel at any time but must notify the credit bureau in writing, online or by regular mail. Take any and all steps that you can to make your credit whole if your credit score is low.

Get all 3 Credit Scores

Get all 3 Credit Scores

Get all 3 Credit Scores

Obtaining and maintaining good credit is so important in most everyone’s life. We cannot purchase the home that we want at the interest rate we can afford with having good credit. Good credit is vital to being able to do the things that are our hearts desire.  However, as important as good credit is, most of us take it for granted or really do not understand how important it is to our daily lives. Until, we try to purchase a home, take out a loan to remodel our existing home, or travel on that dream vacation, and we discover that our current credit score does not let us be able to borrow any money.

A credit score is a set of statistical numbers that are based upon several different things. This is what a credit score is based upon:

  • How many credit cards or loans you have outstanding at the present time.
  • How many times you may have paid late on your loan or credit cards
  • If a court has had to obtain a judgment against you
  • If there is a tax lien against your property.
  • Various other items

Get your scores

To get a good picture of what your credit report says about you, you will need to get all 3 credit scores from all three major credit bureaus. The three credit bureaus are; Transunion, Experian and Equifax. While the credit scores will be a bit different all three bureaus are important to check so that you may have a better idea of what has been listed on your personal report. Sometimes there are errors on our reports that we can take care of quite easily. If the listing on your personal credit report is in error, you can appeal the listing and the credit bureau will begin an investigation. Once the investigation has been concluded and the listing found to be an error, the credit bureau should remove it from your report.

It is relatively painless and simple to get all 3 credit scores. Each of the three top credit bureaus will give you a free credit report from their agency at least once per year. This is a great way to see what is listed on your report. If there are things that are negative and you know that you will need to work on those things, you can request a membership for 6 months or more where you pay a small monthly fee and are able to see what is going on with your credit each month. This is a great way to stay on top of what is going on and to make sure that when you take care of each negative listing that they are removed from the report.

Know the scammers

Do not interact with a company who says it will fix your credit for a small fee. It is important to know which companies are legitimate and which ones are not. The ones who promise things that seem too good to be true are most likely scammers. You can fix your credit problems on your own by doing your own homework and talking to each creditor to see what can be worked out on your behalf. This is important to show your creditors that you are serious about setting up some type of payment plan to get these negative notations removed from your personal credit report. Once you have satisfied the past debt, ask the debtor to remove it from your report. Most likely they will not mind doing so if they have received the money that they are owed. Take the time to clean up your credit report and your future will thank you.