I decided to clean up my credit or lack of since I was now a senior citizen living with my daughter and wanted to not owe anyone anything, as required by my religious beliefs. I wanted to get a list of old bills and clear up any discrepancies. I started with annualcreditreport.com which is free. I knew not to get all 3 at once. I would start with Experian and after that company, move to another and gradually make sure my credit report was good. I do not worry about my low score. I have always paid cash for purchases. I received my report... read full review »