How to Get a Free Credit Report

Free credit report

Did you know that you can pull a FREE credit report? It’s true. In 2003 the Fair and Accurate Credit Transactions Act was passed which provided each consumer could receive a free copy of their credit report annually from each of the three bureaus. FACTA did not, however, require that you are provided free credit scores, but there are some ‘almost free’ options.

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What do we do in a FREE initial consultation?


We believe that everyone has a right to accurate credit reporting. That’s why we offer a free initial consultation. During the appointment, we will review your report and goals in detail and recommend a personalized plan that can positively impact your credit score, making you less of a risk to lenders and more likely to secure a loan. The recommended plan might include actions you could undertake yourself, more complicated actions we would initiate, or both.

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Student Loans – Rehabilitation vs. Consolidation vs. Pay As You Earn


It has been estimated that as many as 40 million Americans have student loan debt with an average balance of $29,000 [Source]. Being able to pay the debt has become problematic. Many loans are in default due to job loss, lack of disposable income, and skyrocketing penalties and fees on the loans themselves. If you’ve defaulted on a student loan, you’ve seen a negative impact on your credit score just as you would with other types of debt. The looming cloud of paying student loan debt is dark but there are options available including rehabilitation, consolidation, and a pay as you earn program. Rehabilitation of Student Loan Debt Rehabilitation is a one-time only option that can when requirements are met:

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