Credit Resources

AnnualCreditReport.com

Free report that the federal law requires you get. Oly available for you once a year, and is very simple. For a more detailed case history on your credit/debt report then we suggest contacting Nero Credit Repair, we have access to all of your credit reports and your FICO score.

MyFICO.com

The ultimate credit reporting agency that helps lenders identify how a large a risk you are. These scores are highly valued and taken extremely seriously. But, you do not get a free credit score based on FICO-instead you have to pay for this service.

Fair Credit Reporting Act

As credit scores became more and more important to the everyday person’s life, it became apparent that some laws governing the credit bureaus were needed. The Fair Credit Reporting Act (FCRA) is the law that governs the credit bureaus and protects consumers.

Equifax, TransUnion and Experian

The credit bureaus have a lot of helpful information on their sites about credit, and the ability to purchase reports if you have already recieved your free report for the year.