Good question! The first and most important step towards credit repair is to get your official credit report. This can be done by one or all three credit bureaus (Equifax, Experian and TransUnion). Without your credit report, it is impossible for you and the credit repair service you want to determine which items may be wrong or questionable.
The short answer: No
Although credit repair services offer a varied number of services to help you in the error challenging process, getting your credit report is something you'll have to make. Under the Fair Credit Reporting Act (section 604), third parties such as a credit repair service are denied access to your credit report without a "permitted purpose" such as determining the solvency of the subscription insurance, and employment screening. In fact, a good way to determine the legitimacy of a credit repair service to ensure they follow the guidelines of the FCRA when working with you and your credit report -. Starting with ensuring that they allow you to request the report yourself
How to request your credit report
Do not worry! Get a copy of your report to send to a credit repair service is easy. It does not affect your credit score to get your own report and you are legally entitled to request a free copy of your report from each bureau once a year. You can quickly and easily through annualcreditreport.com, which will help you get your annual credit report. After filling out the appropriate information, you can choose to receive either a copy by mail or view your report online (be sure to print when viewing, or you may pay a fee for future attempts visualization). If you want to be more proactive about monitoring your credit score and report, you can sign up for a credit report monitoring service.
Ready to see if credit repair will work for you? Go to our credit repair advice for comprehensive comparisons of different services on the market.