Before you can attempt to raise your credit score, you first have to determine what is on your credit report that is producing the current score you have. Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year.
AnnualCreditReport.com is the only source for free credit reports authorized by Federal Law; and while it is a free resource, we recommend myFico as an alternative source.
myFico provides credit report from all three main credit bureaus as well as FICO scores. They offer credit monitoring and monthly FICO score updates.
As you work to improve your credit, you will need access to your credit score.