There are many credit repair services available, some reputable and genuine and others that are not. Once you've narrowed down the search check with the Better Business Bureau or you may be able to check with credit card companies to inquire if they recommend any services.
Yes there are several websites that you can use to access your credit report for free. Be careful to access the ones that are valid or well known such as: http://www.equifax.com/credit-report-history/.
The Experian credit score is calculated by ones credit reports. This score is also called a 'risk score', which will be delivered as soon as a lender sends a request for ones credit report. In this case 'online' just means that one has online access to ones Experian credit report and score.
You can find a lot of information about repairing credit through many books that you can purchase at your bookstore or through your library. If you are working with a debt consolidation/management company, they will provide helpful resources for you as well.
There are many sites that offer credit scores and credit protection, but for those on a budget, the best sources are the free ones. The three major credit bureaus allow free access once every year.
http://www.equifax.com/home/en_us. This site gives accurate credit reports and also tracks changes in your credit, both good and bad.You have unlimited access ones you subscribe.
Although many business promise careful credit monitoring, the official Experian website offers a safe, secure method of tracking any credit report activity.
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Credit card consolidation consolidates all of ones debt. Credit consolidation makes it easier to pay off ones credit card debt with a lower interest rate than most credit card companies.
Ones that replace themselves and ones that don't.
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There is many credit cards with no annual fees. You should find one that fits the type of reward you could us. One of the best ones I found was Citi Thank You.