Something which consumers should always be aware of is what is on their credit report and in the United States there are three major credit bureaus that have slightly different information. However, the federal government has legislated The Fair Credit Reporting Act (FCRA) which mandates that TransUnion, Experian and Equifax must provide consumers with a free copy of their credit report once a year is it is requested. If you want a copy of those reports you only need contact each company to request a copy by U.S. mail, fax or online.
Without knowing what is on each report it is extremely difficult to know what might be impacting your credit score. The three major credit bureaus have different criteria listed so it is vital to know exactly what potential lenders are seeing and why you should obtain your annual copy of all three reports. Once this information is available you can either begin repairing your credit on your own or utilize the services of a credit counseling agency to help you streamline the process.