There are literally HUNDREDS of scammers out there offering FREE CREDIT REPORTS, Credit Report Corrections, the 'Magic Letter' and other so-called 'Repair' services. You'll find most of them charge fees, either up front or as a hidden 'auto renew' subscription. Most do NOTHING that you cannot do for yourself with a little time and effort. The really sad part of this whole thing is that you are, B Y LAW, entitled to a FREE CREDIT REPORT directly from all three of the credit reporting agencies, EACH 12 MONTHS! ALL YOU HAVE TO DO IS ASK!

CLICK HERE to DOWNLOAD the free report (You need Adobe™ reader) prepared by the FTC/CPA. It has everything you need to know about your credit history records, how to get 'negative' items removed, how to STOP creditors from calling you, your rights under the Fair Debt Collections Practices Act, it even has a sample copy of the so-called 'Magic Letter'.

The confirmation email contains the link to the Government sponsored website to use to get your FREE CREDIT REPORTS from each of the three credit reporting agencies!