Download Credit Reports (FREE)

If you want to improve your credit score, you need to direct your attention from where the information is coming from - your credit report.

Under the Fair and Accurate Credit Transactions Act , you can obtain one annual free copy of your credit report. For more information visit http://www.annualcreditreport.com/ or call 877-322-8228. But you will still have to pay a fee to get your scores.