Rebuilding Credit FAQ
Improve a poor credit rating so your next credit check is better.
Where do credit reports and credit data come from?
» How can I get a copy of my credit report?
How long can negative information stay in my credit report?
What should I do if I find mistakes in my credit report?
What can I do to rebuild my credit?
I've been told that I need to use credit to rebuild my credit. Is this true?
How many credit cards should I carry?
How can I get a copy of my credit report?
You can get a free copy of your report once a year, from each of the three major credit bureaus. To order your free report, go to www.annualcreditreport.com or call 877-322-8228.
You are entitled to an additional free copy of your credit report each year -- even if you've already received your annual free report as described above -- if:
- you've been denied credit because of information in your credit report
- you're unemployed and looking for work
- you receive public assistance
- you believe your file contains errors due to fraud or identity theft, or
- you've been denied employment (or another adverse employment decision has been made) based in whole or in part on information contained in the report.
For more information, see How to Clean Up Your Credit Report.
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