There are a lot of ways to do self-help credit repair, but one of the least-known credit repair secrets can help you improve your credit at its very source.
Most people have heard of credit reporting bureaus, yet surprisingly few people take the time to review their credit reports. This is the first of three easy steps to self-help credit repair.
By federal law, you are entitled to review your credit report for free once a year. You can do this online, by phone at 877.322.8228, or through the government’s Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Once you’ve received your credit reports, review them thoroughly for errors. (According to a 2004 government study, up to 40% of credit reports contain errors-some of which could negatively impact your ability to get a loan.)
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