Get free credit report FreeCreditReport.gov Mortgage Help FTC.gov

Its end of the year now. We must get our credit scores to list down all the issues we might have with it. Remember you credit score is the most important thing that you need to figure out going into new year?

Why? For 1 reasons.

1) You will be given loan based on your credit score.
2) you will be only considered as good candiate for loan/mortgage based on your credit score.
3) With sub prime crisis already here, don't rely on companies giving loans to sub prime credit score candiates.

If you credit score falls below 650, you could be one of the low credit score candidate. They are of course ways to get out of debt.

Lets first look at getting our Credit Report from FreeCreditReport.gov/FTC.gov

The following companies offer a totally free credit report and they also give you free tips on how to improve your credit score. So its a 2-1 offer.

1) Identity Guard FreeCredit Report: You get 3 free credit reports and Identity Fraud Protection to ensure that no one is using your credit report flatulently to claim Mortgage, Income Tax Rebates etc.
2) CreditReport.com: These guys get your credit report from 3 different sources and try to average them out. Also do cross checks with credit burea. Great Service.

Get those credit scores and then you may apply for a debt relief program which will guide you to go debt free ASAP or Help with your mortgage.