How To Find Out Exactly What You Need To Do To Perfect Your Credit Report Without Spending A Dime

By now you’ve hopefully learned a thing or two about how to improve your credit report and score and things to avoid wasting your money on. Today I want to walk you through the process to find out the exact steps you need to take that will make your credit perfect…
all without spending a single penny.

You may have heard that the government now requires the three credit bureaus to give everyone a free copy of their report once a year, but you don’t know exactly how to do this. There are plenty of commercials on TV offering you the free report, but when you go to their website they require that you sign up for their $12/mo. monitoring service. Obviously they are just exploiting the free report law to make money off of unsuspecting consumers.

Fear not, there is actually a place you can get your 100% free copy of your credit report from all three bureaus. Go to www.annualcreditreport.com and click on ‘Request Report’ after you enter the state you are in.

Once you enter the site, you will fill out your personal info that they will need to access your reports. After that, you will be taken to a page that lists the three bureaus (Equifax, Transunion and Experian). Check the box next to each bureau as that will allow you to go through the process of getting your free report from each one.

When you click on the ‘Next’ button, it will take you to the Equifax website where you will be able to order your free report. Be sure to not select the credit monitoring service subscription and only request your free report. They will also offer you an option of
ordering your credit score as that is not part of the free report requirement. There are some states that do require the scores to be included with the report, but since we’re in California, it comes without it.

Once the report is ordered, select the option to view the complete report and save it to your computer. Typically, you can simply right click on the report after it is brought up and select ’save file as’ and save it to your computer. If that doesn’t work, I recommend using software that allows you to print a page into pdf format. You can get a free version at www.primopdf.com It works just like a printer, only it saves it to your computer as a pdf for easy storage and safe transfer since the contents are ‘locked.’

When you are done saving the report from Equifax, click on the link at the top of the page titled ‘Return to AnnualCreditReport.com’. This will take you back to get your Transunion and Experian reports through the same process you did for your Equifax report.

One other note, at each of the bureau sites, they will confirm your identity by asking about credit accounts that are on your report. The questions will ask about a date the account was opened and the type of account. The answers will be in multiple choice format and
will list multiple potential creditors and multiple ranges the payment for that account falls in. If you don’t keep track of accounts you’ve opened or what you pay, the it’s helpful that they only ask about open accounts, so that reduces your options to only the bills you pay currently and not ones in the past.

Each bureau lays their report out differently, but they all have the same basic info for each account.

Here’s a list of items to look for that may need to be addressed:
1. Do you have a number (1, 2, 3, etc) listed in the 30 / 60 / 90 section of any account?
If so, this means that you were late with your payment that number of times for that many days (30/60/90). If you feel that this is incorrect, you will need to find the record of the payment you made on that account showing when it cleared your bank account. This is
what the credit bureau will need to remove the late payment mark from your credit.

2. What is the ‘balance’ and ‘limit’ on your revolving accounts?
Remember that you want to keep your balance below 50% of your limit to keep your score high. If you have revolving accounts with a balance over 50% of the limit, you will want to work on paying that balance down, or off ideally, to help improve your score.

3. Are their any judgments or liens listed?
These are harder to find out information about if you don’t know why they are there. Usually it simply lists the ruling body that authorized them (local county court or the state) and may have info as to who the claimant was to help jog your memory. If a lien or judgment is legitimate and it was paid off, make sure it states that it was ’satisfied’ or ‘paid in full’, otherwise you will need to get the documentation showing it was taken care of to prove to the bureau that it needs to be reported differently.

4. Are there any accounts that are reported as ‘charged off’?
This means that you had an account that you didn’t pay on and the creditor wrote off the account for accounting purposes since they couldn’t get reimbursed for it from your payments. If this is a true account, again, make sure the balance owed reports as $0. There are numerous cases I have seen that show a charged off account still having a balance at or near the limit of the account and it is a giant boat anchor to the clients credit score.

Now if you get overwhelmed by reviewing your own reports or it simply bores you to tears to go over it, I completely understand. Credit reports can look like Egyptian Hieroglyphics at times. Because of this, I’m offering anyone that wants the help a FREE Credit Report
Review & Analysis. You can get your coupon for this free offer by going to www.thecreditconcierge.com/coupon.pdf

The reason I’m offering to review your report and provide a detailed analysis absolutely free is to help as many people as possible perfect their credit. In the process, potential clients will show up that need our Credit Concierge service to remove a host of negative items
from their reports so they can get a fresh start and have perfect credit the rest of their lives.

If you do take me up on the offer, my hope is that your review and analysis will result in having nothing significant holding your score down and that you will be able to go forward in confidence knowing exactly what you need to do to polish and maintain perfect credit!