Check Your Fico Scores/Reports

It is important for you to know what is on your credit report. In fact, even with perfect credit, consumers should check their credit reports annually to make sure all is well. Before you can attempt proper credit restoration and repair, you must know the details of your credit profile. We offer two suggestions for viewing your report. One is a free report. The other costs a few dollars, but is a better option in most cases.

Beware of free credit reports - most free credit report offers are scams to get you to join their monthly membership service that is essentially worthless. Many of these companies will take your credit card and begin billing you $30 to $40 monthly. Avoid these companies. As a simple rule of thumb - if you see an ad on TV or hear an ad on the radio - or if they are singing a catchy song - offering you a free credit report - AVOID IT.

The only free credit report we recommend is from annualcreditreport.com. It is the only free site monitored by the FTC and is the only free credit report that does not try to sell you anything or trick you into some kind of membership. However, the report you get from them has its limits - it does not offer credit scores and you can only order from them once per year. You can get your report from the three main bureaus - Experian, Equifax and Trans Union. You will need all three bureaus to have an accurate picture of your credit. Additionally, this site is a bit difficult to use, as it requires you to pull three separate reports (one for each bureau). You will also need to have various account information ready to enter in order to verify your identity.

The Better Way

Our Recommendation

We recommend that you purchase a tri-merge credit report from a reputable company such as MyFico. It will cost a few dollars, but the investment is well worth it. You will have a complete picture of your credit profile and you will have accurate scores to give you a starting point in your credit restoration efforts. As you progress through the program, you can update your report and you will know the repair program is working. The service we prefer offers you a full 3 Bureau credit report with scores. It also provides useful explainations of your current credit profile so that you can understand what is hurting and what is helping your scores. The free reports do not provide scores or any user-friendly explainations. Also, with this report purchase, there is no membership obligation that will try to bill you monthly like many of the credit report offers out there. Order your's now.

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