It always surprises me how many people looking for repair to credit advice have never checked their credit report. It is the most important first step when trying to clean up credit.

If you have never checked your credit the first step is to get a triple credit report. The triple report is the one to get because it is complete and has no information missing. It shows you the whole picture on your credit score.
In both the UK and US there are three main places to get credit info.

• In the UK they are:- Experian, Equifax, & Callcredit
• In the US they are:- Experian, Equifax, & TransUnion

If you only get a single report you might miss out on some important information held by one of the other companies

To get a triple report:-

• In the US, go to AnnualCreditReport.com
• In the UK, go to CheckMyFile.co.uk

Once you get the info back, you will have everything you need in order to repair credit, bad credit counciling, etc.

What the report won’t tell you is how to clean credit up, or give any sort of judgement on if you have good or bad credit.

It just gives you the facts on their database, so in the next post I will give you some tips on what to do with this information in order to clean credit up.

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