At Credit Karma, you will get a "TRULY" FREE credit score. It is 100% free --- you will never have to enter credit card information! -- and they also don't try to "up-sell" you on anything.   Try it!

 

 

The score that you are going to get is the Experian National Equivalency score which is a good indicator of credit risk. It is NOT the FICO score - but it is still free!

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*** Your FIRST STEP toward credit improvement is to get copies of your credit file from each of the three major credit bureaus: Equifax, Experian and Transunion.


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Get all three - Equifax, Transunion

and Experian - Combined Report:

Use this link for credit monitoring also.

 

 

 

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A Very Easy to Understand 3-Bureau
Report with Scores:

 

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Another Very Easy to Understand 3-Bureau
Report with Scores:

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Get your real FICO score from My Fico.com.

 

 

 
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$9.95 per month - 3 Bureau Credit Monitoring
Includes 3-Bureau report and all 3 FICO scores! 

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***   You do have the right to receive a free copy of your credit report once every 12 months from each of the three Credit Bureaus. To request your free annual report under law, you need to go to the website whose origination was required by the government: AnnualCreditReport.com. Your credit scores are not included - as the law only requires the bureaus to provide the report only.  

 



Get your free Lexis Nexis Report HERE:

Professional Organizations and Governmental Agencies
United States Bankruptcy courts
Federal Trade Comission (FTC)

News and Information
Center for responsible Lending
Institute for Ethical Behavior (Auto & Mortgage lenders)





* National Do-Not-Call Registry

1. Register on the Do-Not-Call List

2. Verify that a phone number is on the list HERE

3. File a complaint for calls received after your number was on the list for 31 days. 

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* Opting out of "pre-screened" credit offers is one of the first steps in credit repair and in preventing identity fraud.

Opt-out from allowing the credit bureaus to sell your personal information to companies for marketing purposes. OptOutPrescreen.com:



Here is a good article from the New York Times about WHY you should opt-out of credit card offers: "The Debt Trap"
  





LAWRENCE RUBIN
FDCPA legal assistance from a consumer lawyer

Why Chat's Resources 

Pre-approval Resources:        







 





Bank of America Secured Cards:

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Capital One Secured Cards:

Secured Cards from Citibank:


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U.S. Gold Cards: