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You should first consider getting a copy of your credit report. You can obtain a FREE credit report from each bureau once per calendar year at annualcreditreport.com or by calling toll-free 877-322-8228, utilizing the automated system to request each bureau to mail the report to you, with just one call.
The FCRA provides you the right to “Opt-Out” using: Opt-Out PreScreen.com a centralized credit reporting service, which prevents your credit information from being offered or sold to other companies without being initiated by you.
Learn more about The Fair Credit Reporting Act
Avoid foreclosure with tips from the Housing and Urban Development (HUD)
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