The first step in credit repair involves obtaining your credit report. Your credit report holds the key to uncovering errors, omission, and inconsistencies.
By law each major credit bureau is required by law to regularly provide you one free credit report, when requested.
You can request your credit report from Annual Credit Report Request Service online, via phone, and by mailing:
Online: www.annualcreditreport.com
Phone: 1-877-322-8228
Address:
Central Source LLC
P.O. Box 105283
Atlanta, GA 30348-5283
Your report will provide you your credit history, credit cards, open and closed accounts, collection agencies, bankruptcies and foreclosures.
If you can no longer obtain your free credit report after initially obtaining it you can easily purchase copies.