How To Get Free Credit Repair Reports

March 5, 2009 by  
Filed under Credit Repair

You are entitled to one free credit report each year from the three main reporting agencies in accordance with the Free Credit Reporting Act. This can help you when it comes to credit repair and can also help you with bad credit repair. There are some companies that will try to charge you money to obtain these reports.

The Free Credit Reporting act not only allows for one free credit report each year, but also makes credit repair easier. You can repair credit on your credit reports when you find things on these reports that are in error. Prior to this act, these reporting agencies would often ignore requests for errors on credit reports and lenders did not take them very seriously. It was very difficult to repair bad credit prior to this act.

After you have received your free annual credit reports, you can dispute anything that is reported in error. If you see that there are errors on the credit reports, write to them and tell them that you dispute the item. They will then have 30 days to either get proof from the company that reported the item or will have to remove it. This can help you with credit repair. Many companies that offer credit repair services simply do this for their clients.

In addition to receiving one free credit report each year, you are also entitled to a free report if you are turned down for credit by the agency that reported to the creditor who turned you down, in accordance with the Fair Credit Reporting Act. They will have to notify you in writing of their decision and let you know which agency reported the bad credit. You can contact the agency and get a free credit report and then commence to repair credit score problems.

If you want to make sure that you keep up with credit maintenance or want to repair credit, you can do so by taking advantage of the Fair Credit Reporting Act and getting one free credit report each year from the three main reporting agencies. Many times, people are surprised to discover that there are errors on their credit reports that are holding them back from getting loans and dragging down their credit scores. You can then do your own free credit repair right away if you have this information.

You should not fall for scams where companies offer you a chance to get your credit report for a price. Many companies will do this with the promise of also offering credit repair services. In many cases, these are nothing more than a simple thing that you can do yourself. You are entitled to get one free credit report each year from TransUnion, Experian and Equifax and dispute any charges on the credit reports that you feel are on reported on these reports in error in accordance with the Fair Credit Reporting Act.

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