Pres. Bush in 2003 under The Fair and Accurate Credit Transactions Act enabled each citizen to obtain an annual free credit report. It is run through one of the three main credit reporting agencies.
Credit Scores are not calculated in this report. You don't need them when your credit issues are over three years.
The reporting agency will do their best to get you to pay for scores or for a credit monitoring service. Don't buy it! They will continue their sales campaign until you notify them to stop. As I had to do.
GET YOUR REPORT. Please go to http://www.annualcreditreport.com,
Credit scores calculations are based upon the most current data hence, if you have no current data, your score may be lower than the 700 middle score that you need for the best mortgage loan, credit card and insurance rates
IF YOU HAVEN'T USED A CREDIT CARD OR PAID AN INSTALLMENT LOAN IN THREE YEARS, START NOW AS YOU HAVE LITTLE CURRENT DATA TO CALCULATE YOUR SCORES.
TO BUILD YOUR SCORE BACK UP. CHARGE YOUR PURCHASE AT A STORE/SERVICE STATION AND THEN PAY THE BILL AS SOON AS IT ARRIVES IN THE MAIL!!
IF YOU CHARGE AT A DEPARTMENT STORE, CHARGE YOUR PURCHASE AT THE REGISTER AND THEN GO TO REAR OF THE STORE AND PAY OFF THE DEBT WITH YOUR CASH/CHECK AT THEIR CUSTOMER SERVICE DESK!! IF YOU DON'T HAVE ENOUGH CASH, YOU CAN STILL PAY THE BILL BEFORE IT'S DUE.