A clean credit report is your life blood as a consumer. How will you survive if you cannot get your limit increased? What will happen if your next loan application is denied?

Using our service gives you free access to your annual credit report.

All the banks, loan and other financial companies pool their records about everyone old enough to apply for credit. These centralized data are your credit history, good and bad. No-one makes a loan without checking you out. Often employers make a check if you are applying for a job.

So before you apply for a new credit card or loan, you should get your free credit repor. Read it through. You will see all the current lenders listed together with the interest rates charged. If you see something missing (you paid off a loan that is shown as outstanding), or something is wrong (you are shown as a late payer by one bank), federal law is on your side. You have the right to get any inaccuracy corrected. If something is incomplete, you can complete it.

If you are worried about doing this yourself, we can help you.

Once everything is in apple-pie order, you can make that new application confident that it will be accepted and you will get better interest rates.