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The first step is to know where you stand. Here are a few resources for you to pull a recent copy of your credit at no cost:


www.annualcreditreport.com

www.experian.com/reportaccess

www.equifax.com/fcra

www.transunion.com

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 DID YOU KNOW...

That a credit score and a FICO score are two completely different things? One is real and one is fake.

Did you also know that on most reports, paid collections are scored the exact same as UNpaid collections?

Find out more credit myths vs. fact in this section.