The first step is for you to learn where you stand in the process. To be able to help you and learn what will take to fix your credit and get you in a position to own a home we need to see your credit report with all three scores.  This report needs to be not older than 30 days. 

Therefore you need to get a copy of your own credit report with all three scores included.  Why do YOU need to get your own credit report and not have a mortgage company pull a copy free to you? 

Because you want to be able to access the information that is in your credit report WITHOUT FURTHER LOWERING YOUR CREDIT SCORE.

When creditors (Loan companies, banks, mortgage brokers, credit cards, etc.) pull your credit report they are effectively performing an "inquiry" in your credit report.  This is viewed in their system as a negative action which results in lowering your credit score.

Inquiry means that you are looking for credit with the purpose of possibly borrowing money which means you are a credit risk thus the negative effect.  Makes sense? Great, so now that you understand that by pulling your own credit you won't risk the danger of loweing it you need to select a company to get your credit from.

We are providing you with a company that will provide you with a Free Copy of your Credit report that contains all 3 credit scores.  This is necessary to do our work based on your score.

Smartcreditreport.co.cc

* The amount spent will be refunded to you with proof of payment by our company as part of the process of enrollment and participation in our program.

The company above offers the initial credit report at no cost other than the initial trial fee even though it costs them money.  They offer you the free credit report as an incentive to try their services of credit monitoring as well as others.  It is up to you to remain in their system which will cost a monthly fee.  Make sure you understand this and cancel within the trial period to avoid further charges by these companies if you don't want the additional services. 

You can obtain a free credit report from annualfreecreditreport.com but they don't provide you with a Triple score which is needed to assess your current situation and assist you.  That is the reason why we offer the company above to you with a refund policy.