ConsumerInfo.com is offering a free credit report to anyone who visits their site.  Most credit reports contain inaccuracies, some of which could be damaging your credit rating.  Find out what's in your credit report, and make informed decisions to build a solid credit rating.  It's quite possible that you'll find out about an account or deposit that you've forgotten about, and get that money back!

Unfortunately, it takes a few days to get a free credit report.  If you want to get your report in just 30 seconds after requesting it online, you can buy your credit report for $7.95 at the same site.  To get your report online, you'll need a valid credit card or debit card, plus one more account number (home loan, auto loan, gas credit card, department store account, or credit card).  You will then receive unlimited access to your credit report for 30 days.  You can also try their Credit Analyzer tool for free, which will give you an approximate estimate of your own creditworthiness.

When you get your free credit report, you'll also receive a free 30-day trial membership in the CreditCheck Monitoring Service -- a service that continuously provides you with vital information about your credit.  If you decide on a paid membership ($79.95 annually), you'll be informed every month about changes to your credit record.

If you find that your credit record is inaccurate, you can dispute your credit record free of any charge.  You can also submit evidence or letters to be entered into your credit record.  Just the fact that you're trying to repair your credit record is taken as a positive sign by potential lenders.  Your next step should be to visit Kiplinger.com to search for articles about repairing your credit.  After you've done that, you'll have a better chance of getting a good credit card at 10Money.com's Credit Cards advisory page.

Here's how to get your free credit report:

1. Click here:
     A new window will open with this page.
   
   
2. On the next page, click the graphic labeled Click Here for your FREE Credit Report.
   
   
3. Read the next page, fill out the form, then click the button labeled Accept.
   
   
4. Look in your email for a message from ConsumerInfo.com (it may take a few hours to arrive.)  Print that out, it has your membership number.
   
   
5. Wait for a letter to arrive in the mail from ConsumerInfo.com (it may take a week to arrive.)  This letter will have your "passcode" number.
   
   
6. Click here: ConsumerInfo.com.  A new window will open with this page.
   
   
7. On the next page, click the link labeled Report Express.
   
   
8. On the next page, type the membership number and passcode number into the text boxes, then click the button labeled Continue.
   
   
9. On the next page, click the button labeled View Report.
   
   
10. Print out the next page (you may want several copies.)  This page may look confusing, but there's a helpful page in the letter you received from ConsumerInfo called "Equifax Consumer Credit Report Key" that will help you understand it.
    
    
11.   To avoid the $79.95 fee, cancel anytime within 30 days after your visit to their web site.  I recommend that you print this page, as a reminder.  If you cancel after  30 days, you can still get a partial refund of 1/12 per month left (example: cancel after 90 days, and get a $60 refund.)

To see a list of the Web's best credit card options, visit 10Money.com's Credit Cards advisory page.

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