Getting and understanding your credit reports

To repair your credit, the first thing you need to do is get a copy of your credit report. This actually isn’t as straightforward as you might have thought. Here’s why:

  • By federal law, every US consumer is entitled to a free copy of their credit report (from all three bureaus) once a year. You get these completely free credit reports ONLY from This is great, but you only get your credit reports – not your credit scores. And you only get one every year. When repairing your credit, we need to get reports AND scores, and we need to have them updated pretty often.
  • You can get a free credit score and report from places like CreditKarma or CreditSesame, but you don’t get reports and scores from all of the bureaus, and the scores you get from them aren’t your FICO scores, which are the most important.

So, Our Recommended Method

Understanding Your Credit Report

So you now have your credit report in front of you. Great. Here’s what to look for:

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