I have spent a considerable amount of time telling people to “Pull your own credit!” first to figure out where you stand before you start applying for loans, apartments, or just trying to fix your own credit which you can do without paying some service $500 or $1,000 to repair your credit…Hello!

The only thing that cures what ails you from a credit perspective is Time and a game plan to correct errors on your report and make sure that you are not a victim of Identity Theft which is rampant these days…

J.D. Roth from the Blog, “Get Rich Slowly,” provides a very thorough step by step process for pulling your own credit from www.AnnualCreditReport.com not “FreeCreditReport.com,” the first is free and the latter charges you so they can continue making those funny commercials with those young guys lamenting their poor credit scores and the predicaments they find themselves in….

When I’m asked to rent an apartment for a client I will tell all prospective tenants to visit www.AnnualCreditReport.com and make sure that the report is no older than 7 days and we use that information along with reference checks, employment, landlord, etc., and an application is usually enough information to make an informed decision on the applicant. In addition, I explain to the prospective tenant that when they pull their own credit they don’t get dinged on their credit for the inquiry. Unlike when someone else pulls your credit, you can check your credit all day long without the inquiry effecting your credit score. Check your state law with regards to the number of free credit reports you are allowed each year and figure out a way to spread them out throughout the year so that you can get an updated report almost every quarter….

Good Luck!

Click below for the complete article

How to Get Your Free Credit Report Online: A Step-by-Step Guide * Get Rich Slowly: “”