Check your credit report about once per year. Make sure there are no entries that you can't explain. If there are, contact the creditor listed immediately, and if not satisfied contact the national credit bureaus and report the suspicious entry as possibly fraudulent or a result of identity theft. There are multiple sources of free credit reports online, as well as your new ability to get a free credit report without a credit card from the bureaus from new legislation.

Let's take a look at the problem areas of credit repair and then at what to look for in companies that are legitimate.

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