For your protection, we must verify your identity before providing your credit report. When you order your free report here you begin your free trial membership in Triple Advantage Credit Monitoring. If you don't cancel your membership within the 7 day trial period, you'll be billed $12 each month you continue membership. The offer is not related to the free credit report you're entitled to under Federal law. To obtain that report go to annualcreditreport.com

Getting Help With Credit Problems

Do you need help with credit problems? If so, don't feel ashamed or embarrassed about it, millions of Americans take steps to improve their credit scores every year.

Just make sure that the help you get is the help you really need. It's always important to be very aware of your own credit problems, scores, and options before you make any large financial decisions.

Your first step should be to get copies of your credit report from all three major credit report companies. Experian, Equifax and TransUnion all keep separate credit information, and calculate scores differently, so it's important to get a report from all three so as to understand what your credit problems really look like.

If you find any errors or suspicious activity on your credit report, be sure to report it to the agency at once. Errors are easy to fix, but identity theft strikes 10 million Americans a year, and is much harder to repair.

Next, take steps towards managing your debts and controlling your credit problems. There are many companies out there and many options available. If you choose a debt consolidation loan, just make sure that the interest, loan amounts, and payments that you will be paying are a better option than what you're paying right now. You certainly don't want to end up with more debt than you had before!

Whichever debt management program you choose, make sure to speak with a credit counselor about the best moves you can make for your financial future. A credit counselor can advise you based on your own personal financial situation, and make suggestions tailored especially for you.