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Frequently Asked Questions about Finding Free Credit Reports

Here are the answers to the most commonly asked questions about finding free credit reports.

How do I apply to find free credit reports?

You can apply to find free credit reports by clicking "start now" anywhere on this site. This will then take you to our short application. The application will take only a few minutes to fill out. You can apply to find free credit reports and also get more information on credit repair services to help clean up your credit. Our application is free and no-obligation.

Why do I need to find free credit reports?

Reviewing your credit report regularly is crucial to maintaining good credit. By law, you are entitled to one free credit report per year from each of the three credit bureaus. Monitoring your credit can help you correct inaccuracies and also identify any signs of identity theft or other fraudulent crimes. When you find free credit reports, you can identify inaccurate derogatory items before they result in the denial of credit or other consequences.

How can I remove questionable negative items on my credit report?

Reviewing your credit report regularly is crucial to maintaining good credit.To remove questionable derogatory items from your report, you must file a dispute with the appropriate credit bureau. The credit bureau then has 30 days to investigate the dispute. If they cannot verify the item as accurate within this time, then they must remove the item from your credit report and send you an updated report. Though you can initiate the dispute process on your own, most consumers find the process too stressful and time-consuming to complete it successfully. Your chances of successfully removing the item are much greater if you enlist the help of a credit repair company after you find free credit reports.

What is the refund policy on credit repair services?

If you choose to enroll in our credit repair services after we help you find free credit reports, we can offer you a money-back refund policy. We stand behind our services and don't believe you should have to pay for an ineffective service. Thus, if after you have been a customer for 12 months you are not satisfied with your results, you can request that we investigate your account. We will then compare the value of the items we've removed from your report with the amount of fees you have paid to us. If we find a disparity, we will refund you the difference.

When will I see results with credit repair?

We will first help you find free credit reports, and then will set to work repairing your credit. Most of our customers begin to see real results after about 90 days. Maximum results are usually achieved after you have been a customer for 12 months. Check out our next page for quick ways to improve credit.