newbie needs info:

[iscovedel]

Hi all-

Not to waste time, I've started by trying to get a credit report, I need to clean my credit-

My problem: do I need to request a report from all of the institutions named on the resources page? Are these diferent regions or branches of the same entity or seperate, should I get a report from all of them or what?

thanks in advance

-"there are no stupid questions, only stupid people that ask them"

[iscovedel]

for instance:

Merchants Association Credit Bureau, Inc.

Trans Union Corporation
Consumer Disclosure Center

Experian

Equifax

Regional Credit Association

also, does anyone know how much it costs to get that info?
thanks in advance

[2tim215]

No, You just need to get them from the 3 basic Reporting Agencies, Experian, Transunion and Equifax (three separate reports). Each report will list all your supposed creditors along with your lifelong credit history. You may be able to get them for free as now I believe they are required to give you one a year with a new law that was passed. Someone correct me, if I'm wrong on that. Also if you were denied credit by anyone, you have a right to get a free copy as well. Hope this helps.

2tim215