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How can you get a free credit report?

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Joined: 10 Apr 2010
juanjaiir's page
Posts: 3

54 Magic Points

Subject: How can you get a free credit report?
Posted on Sat Apr 10, 2010 4:08 am  

I have experience check system, car repression, and late payment on credit cards. How can I repair my credit without filing bankruptcy. I'm much older now and do understand the purpose of having good credit.

Joined: 10 Mar 2010
NightStar's page
Posts: 142
Location: Illinois

3176 Magic Points

Posted on Sat Apr 10, 2010 5:16 am  

You can get one free credit report from each of the credit reporting agencies once per year.




If you had been declined within the last 30 - 60 days you are also entitled to a free credit report. You can call the numbers I listed for each agency and put in a request for having been declined credit.

If you will be looking for employment you are also entitled to a free report - or even if you did apply for a job in which your report was pulled and you had been declined you are also entitled to a free report.

If you are living on public aid, you are also entitled to a free copy of your credit report.

Also if you had been a victim of ID Theft, you are entitled to 2 free reports per year.

Also if you have current creditors - they eventually pull credit reports every few months for a periodic account review, you can call the credit reporting agency when you know they have pulled and select the option for having been declined or had adverse action - get a free report this way.
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Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: credit repair
Posted on Sat Apr 10, 2010 6:51 am  

Hi Juan,

You can get free credit report from . After pulling a copy of your credit report, check the status of these accounts on it.

Try to negotiate a settlement with the creditors/lenders or the collection agencies. With debt settlement your outstanding debt amount can get lowered by 40-60%. Thus, it becomes much easier to pay off the debts. Send the letters through certified mail, requesting a return receipt. You will then be able to retain a proof of your settlement letter.


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Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

6419 Magic Points

Posted on Sat Apr 10, 2010 2:35 pm  

when you say check system, you might mean chex system.
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