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How Can I Finish Cleaning Up My Credit If I’ve Used Up My Free Annual Credit Reports?

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You already helped me greatly!! I had an unauthorized ck. go through my account at a bank that I banked since disabled (17 years) and by following their procedure, I became in debt, lost a life insurance policy, and had a revolving credit card debt picked up by a nasty third party (2 years later it appears) I took your advice and asked them to verify my debt, and reported them on my credit report for serving me false papers. (no court # or notarization), and now I posses the letter that frees me from this debt. I cant get into my credit report because I already used up my annual, How can I finish, when Im am still juggling small loans, but if I repair this I can wipe this out into one payment and finish my self employment that I was tring to start before this happened?

I need to know how I can or if I can finish cleaning up my credit report without spending money, when I have already used up my free annual reports?

This is your chance to be a hero and help out this person by providing your feedback and answer to the question in the comments section below.

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This is information that was submitted by a third party and not generated by or Steve Rhode.


  • There are 2 websites I know of-, and The SECOND one gives you a free credit report if you give them your credit card information and you have to cancel within a certain amount of time (i believe 2weeks or 30 days. read fine print to be sure) OR they will charge your card like $25. Otherwise, the person who commented and told you to only check one at a time is a genius.

  • Also consider that your bank may have a credit report service that cleans up your record over a period of a few months… in the mean time you have free access to your credit reports on line…

  • There are also some credit monitoring services, including one through Experian, I got a free 7 day trial. You can cancel before the trial is over and pay nothing.

  • Congratulations on successfully navigating the challenging world of credit reports!

    If you have used up your three free credit reports you probably only have three options:
    1. Do nothing and wait until 12 months have passed
    2. Buy a copy of your report ($10 from Experian)
    3. Apply for credit and get a free copy of your report if turned down.

    Do remember that you do not have to get all three credit reports at the same time. I like to get mine quarterly.

    Good Luck!

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