free credit report

What to do first in the credit repair process:

How to read a credit report ›

First step in starting your credit repair process, you must get a copy of your credit reports, from different agencies, and get your free credit report from the top 3 credit companies, because when you are trying to fix your credit, you must check that the credit file contains items about you.

 Before you start, you will need to know the errors on your report, and that it  belong to you and not someone else, to make sure if or not you are a victim of fraud, and to know what is reported on your credit report, this is why you must first obtain a copy of your credit report first.

Where to get credit monitoring :

Where to get a copy of your free credit report:

First keep in mind that requesting your credit report will not hurt your credit score. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from There are 3 ways to get your free report.

  • Online: Visit
  • Phone: Call (877) 322-8228
  • Mail: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281
  • Annual Credit Report Request Form
  • This is the only website authorized to fill orders for the free Annual Credit Report, that you are entitled to by law.
  • Everyone in the U.S. can get six free credit reports a year 1-866-349-5191. That’s in addition to the one free Equifax report plus your Experian and TransUnion credit reports.

Credit report agencies›

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