can i get a free credit report

Fix your credit report and repair of your credit card are two different processes and problems. If your credit is bad, you can use some of the strategies to make them a low score.

Negotiations on the amount of debt (it is the easiest private individuals). To do this, you must specify the reasons for falling behind. One of the tools you can use as leverage has something (not the full amount) rather than nothing. For example, to explain why lenders should instead of $ 5,000 $ 10,000. You can say: "I call today, five other creditors. I am you $ 0.50 on the dollar, and if you are not interested, I will file for bankruptcy", in which case they would not get nickel).

Negotiate a forbearance with credit card companies and customers with mortgages. If there is an illness, death of a breadwinner, divorce or some other legitimate reason of severe financial difficulties, there may be a case. Show them you had a good reason behind the agreement to remain on the current offer of payment and pay X amount per month on what you owe. You can also stick the amount owed on the back of the loan. These are legitimate ways to negotiate and repair of your credit card.

Beware of illegitimate methods to repair credit

Look for companies that together new tax returns for you. They are essentially dummy to tax returns. Another fraud is if they take advantage of the credit reporting service's limited window to answer disputes. For example, if the window is 14 days, they received a letter that you do not owe (when you actually do). It's just a matter of time until the bank is not on the 14-day window, if they miss a deadline, you are not required to provide the disputed amount. This is not only morally wrong, but it does not resolve your credit problem. In addition, companies will offer an upfront fee to get you new credit (often from $ 100 to $ 1,000), mainly from other countries, is a fraudster.

Recommended Reading

I recommend "Your Credit Score" by Liz Weston, a helpful book on the different strategies of legitimate ways to improve your credit score on your own. If you feel like you need / want help, there are legitimate services available to you are.