The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem it necessary. You can stagger the requests [...]

sibyl asked: Is there a way to get a free credit report? I heard everyones entitled to 1 free report,state by state?

A A asked: I paid a service for my credit score but apparently b/c I didn’t buy the best package they show payment and history but not the actual score. What is the best most reliable and cheapest place to get my credit score? Also, what are some way to raise my credit score? Obviously [...]

mrdeservn913 asked: I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?

Kristy R asked: I’ve heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

Des-n-Jes asked: I currently have 3 credit cards. I just got approved for another and it is in the mail on it’s way. I paid off the one with the lowest credit limit, and was thinking about cancelling it and just keeping the other three. I have been working on building my credit for a [...]