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Credit 101: Repairing your Credit Step by Step

By: Liss Burnell

Hopefully, with the help of our free Grocery Budget e-book, you have already started to save $250 or more a month on your grocery bill. Now that you are armed with that information, let me help guide you to applying that savings to your back debts, to help dig you out of debt using the resources that you have available to you.
 
 Step 1- Obtaining Your Credit Report
 
  You may already know that your credit score is based upon your credit report, but do you have any idea what your credit report says about you right now? You may be surprised to see accounts as old as 10 years still showing on your report.
 
 The first step in repairing your credit, is to obtain a copy of your credit report from each of the 3 major credit reporting agencies.
 
Equifax
1-800-685-1111
 
Experian
1-888-397-3742
 
Trans Union
1-800-888-4213

You are entitled to one free report during any 12-month period no matter where you live, if you:

  • Are unemployed and intend to apply for employment in the next 60 days
  • Are on public welfare assistance
  • Believe your file contains inaccurate information due to fraud
  • You are also entitled to a free report if you have received notice of an adverse decision (such as denial of credit, insurance, or employment) within the past 60 days

Already have a copy of your credit report?

 Lets Move on to Step 2

 

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