free credit report and free score

It is important that you check this report each year to make sure all of your financial records are up - to - date. Any past late payments, collection accounts or blemishes will be on your record for seven years, but your account status should be updated and your score should reflect your recent activity. It ' s not unusual to find errors or dated information, so keeping your records accurate is one way to repair bad credit.

Many places offering free credit repair can ' t really help you because they only offer vague advice at first, while trying to up - sell you to a premium membership for the " good " service. If you currently have unpaid bills and accounts in arrears, then you can benefit from credit card debt reduction or debt consolidation service.