Our secure fax number is:  (804) 767-1839



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.



* We recommend the
Equifax 3-Bureau report:






Free Credit Score:




Special CRA Discount:




***   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.  

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)

Pre-approval Resources: