One of your New Years Resolutions should be to repair your credit. Don't pay anyone to fix your credit. Fixing bad credit yourself is within your reach. If you don't know how, my $2.99 Kindle eBook gives you all the steps you'll need to fix bad credit. It's free if you're an Amazon Prime member. Click here to go to Amazon and read an excerpt from the book.
Once you know the process, it's good to start in January by ordered a copy of all three of your credit reports. Equifax, Experian, and TransUnion all have to give you a free copy every 12 months by law. Once you finish fixing your credit, restart the process in January, 2013, but only order one credit report. If everything looks good, order the next one in May and the last one in September. That spreads your credit report monitoring throughout the year. You don't need to pay for credit monitoring service because your right to free annual credit reports lets you do it so easily yourself.
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