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First, follow the below steps to start cleaning up your credit. While you are doing these steps, get a secured credit card that will report to the credit reporting companies. By doing these things, this will be the quickest way to get your good credit standing back. You will first need to order your credit report from the 3 bureaus below: 1.Experian Tel#: 1.888.397.3742 Website: http:/www.experian.com/customer_service/mail.html 2. TransUnion Tel#: 1.800.888.4213 Website: http:/www.transunion.com 3. Equifax Tel#: 1.800.685.1111 Website: http:/www.equifax.com/home There are several ways that you may qualify for a freecredit report: · If you have been denied credit recently. · If you feel that you have been a victim of identity theft. · If you receive any type of public assistance. · If you are unemployed, and will be job hunting. · You also, are entitled to one free credit report a year. www.annualcreditreport.com Once you receive your credit reports, it is time to start reviewing all the open and closed accounts, collections, judgments, liens, etc.

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