Eric was not on a mission but he had this feeling in him that his financial life was at stake. Bringing it back to the track needed some extra effort. After finding out the basic things that he had to do Eric was surprised that it was just so easy.

Good job, young age, wanting to settle down, requirement of a home was the first thing on mind. Tiara was more than eager to marry. Eric applied for loan but was rejected. Now it struck him that there must be a reason behind it. So he requested free credit reports online from all the three agencies Equifax, TransUnion and Experian. All he did was used the centralized source www.annualcreditreport.com because he could not get through the number 877-322-8228 which is of course another option for requesting credit reports. Government made it easy in 2004 when the federal law made each individual entitled to one free credit report from all the three credit bureaus annually.

Once he got hold of the reports he knew what was wrong. He had to deal with collection agencies but that is another long story. Today Eric has an improved score and of course a house. Married with Tiara, there is a long way to go Eric.

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