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Free Credit Reports

Government Rules that Help You

Credit Reports

Identity theft is real and on the rise. The Government has implemented several rules to help you prevent identity theft and stay on top of your finances.

These rules are set forth by the FACTA (Fair and Accurate Credit Transactions Act) which is an amendment to the old FCRA (Fair Credit Reporting Act). These credit laws mandate that each credit reporting bureau provide each consumer with one free annual credit report. The three main credit bureaus are: Experian, Equifax and TransUnion.

Any credit reporting agency is required to once a year make it easy and free for you to obtain information contained on your credit report. Please Note: The credit bureaus are not required to give out your credit score for free. If you want to order your score in addition to your free report, most are charging about $5.95.

When you order your free annual credit report, make sure you download or print a copy if you order them online. There are three simple ways for you to order your free annual credit report:

• Get them online at www.AnnualCreditReport.com
• Order them by phone by calling 1-877-322-8228
• Order them by mail. Download and complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service.
P.O. Box 105281
Atlanta, GA 30348-5281


When you order your reports you will need to provide your name, address, social security number, and date of birth. To verify your identity online you may have to answer a few questions about your credit accounts.

The FACT Act also requires the Credit Reporting agencies to give you a free credit report if you meet any of the following criteria:

• If you apply for credit and are denied.
• If a company or organization takes adverse action against you because of information found on your credit report.
• If you are unemployed and plan to look for a job.
• If you are on welfare.
• If your report is inaccurate because of fraud or identity theft.


After that, during the credit repair process, the best product available to monitor our progress is the credit reports and scores provided by MyFico.com.

They provide the best and most complete reports for credit repair, in addition they use the same FICO score that lenders use to approve or deny a loan, they also give an extensive Score analysis, this will help you to identify the more harmful accounts on you credit reports.



No money down, we will bill you only for results