The Reality of Credit Reports


The Fair and Accurate Credit Transactions Act of 2003 (also known as the FACT Act) allows consumers like you to request a free credit report every twelve months. Although you can obtain your free credit report from credit bureaus like Experian, Equifax, and TransUnion, it does not include your credit score. In addition, many people have found it difficult to receive their credit report through these channels.

Get Your Scores Now

Although it is advantageous to see your credit report, you likely will not be able to determine what factors are the basis for your credit score. This is where credit repair comes in handy – having assistance from credit specialists who know what to look for. It is important to seek your credit score as soon as possible so you have a benchmark when beginning credit repair. For some, this will allow you to know if you are ready to submit the long-awaited loan application.