Free Credit Report -

Once you have viewed a free copy of your credit report, it is easy to correct errors by going directly to the websites of the three major credit bureaus:

Trans Union

Experian

Equifax

Getting your credit report on the internet should be cheap, if not totally and absolutely free.

Make sure to get your credit checked with Equifax, Trans Union and Experian, the three major credit reporting agencies, yearly.  An annual credit score rating and consumer credit check can help you monitor your credit for mistakes in reporting and possible identity theft.  You should get a copy of your credit report at least one time a year, but monthly is preferable. Monitor your credit report regularly to help you keep your credit score high so that when you need a loan you can get a low interest rate without having to wait to fix your credit before you can get approved with a low rate..

You can fix your credit and remove inaccuracies, very easily.  Disputing and removing things like inaccurate late payments, collection account can be disputed by just completing the quick dispute form on each of the 3 credit bureaus website.

Government law state that every consumer who has been turned down for credit can obtain a free copy of their personal consumer credit report.   You may want a 3 in 1 copy to view the report quicker than pulling each report separately.  When you receive a free copy of your report, you should be able to view it instantly.  All online credit reports are instant.

To clean up your credit report, you will need to fill out the online dispute letter for each major credit reporting agency.  So, if you are wondering how to delete a collection from your credit report, just complete a mini form on each item on your credit that is a mistake.  The reporting agency will then have 30 days to either verify that the information is correct, or that it needs to be repaired and the incorrect item will be deleted from your report.  Doing this with each credit reporting company can greatly improve your credit score.  This is how you can repair your credit yourself absolutely free without paying for that service to be done for you.