Newby to the whole process

[apsm2014]

Good Afternoon! I am new to this whole credit process...in terms of cleaning it up. I have a very low credit score with no open credit cards. I need too know how to obtain a credit report with all three scores listed....for free if possible. Then how do I begin deciphering through where to start? Someone help, please.

Thanks!

[cv91915]

Order your free reports from www.annualcreditreport.com. Get the reports by U.S. Mail. There is a PDF on the site that you can print and mail in.

[Second Chances]

While you are waiting on your reports, do a lot of reading in the newbies section.

 

PsychDoc's info is also very good: http://creditboards.com/forums/index.php?showtopic=425496