The three major credit bureaus are obligated to give you FREE copies of your report once each year, however if you are not eligible for a free report you can get copies free once you apply for a couple of loans, or even one loan for that matter. I advise against this because each time you apply for a loan or credit card it goes on your credit file. Other resources available to you are found over the Internet. There is information available to help you see your way out of your situation.
Resources are a source of information and contacts that help you get started to repairing your credit. If you are suffering as a result of low income and creditors calling you every day, then it is important that you do not give up hope.
By calculating your monthly bills and setting up a budget that meets your requirements is a great resource for eliminating debts. It is also possible to earn money while you are broke. Cutting back on items, groceries, household goods, clothing, and other items can help you increase your income.
Many of us believe that it is only through an agency that we could possibly have any hope for repairing our own credit. Rest assured that this is not true. It could possibly cost you more money and time to arrange through an agency than it would to just do it yourself. My recommendation, before contacting an agency for assistance is to follow the steps below as you may just be surprised at the results.
Repairing your own credit takes time, and definitely takes patience. You first need to contact the credit reporting agencies in writing requesting your credit report. You are entitled by Federal Law to a free credit report every year. There are three main credit-reporting agencies that you will need to contact. The bureaus information can be located by running a search on the internet for "Credit Reporting Agencies" or looking through you local phone book. Include the following in your written correspondence with the credit agency.
1. Written request for a copy of your credit report (You are entitled to one free credit report a year). 2. Include a copy of your state ID. 3. Send proof of your current address if it is not current on your ID. 4. List your last known addresses for the past 5 years. 5. Include a copy of your social security card. 6. Sign the document.
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