it or an extension. Creditors want to be secure that everyone is a good risk by checking credit history before approving your request. Credit repair agencies are also important players in the credit game. They claim to be able to influence credit rating and to change it for the better. As Hammond observes, "Historically, such businesses have often been scams operations, skipping the town before unwary customers realize their credit rating are unchanged but their bank balance has dropped." (21-22).
             Most of credit consumers need to repair credit. The first step to improve credit is by requesting your credit report. To request a copy of credit report, consumers must enclose a copy of driver's license, credit card bill or utility bill. If it's the first time it should be included full name, address, previous address, social security number, and a copy of a billing statement (McNaughton 68). The credit reporting services charge eight dollars for a report, a fee that is waived if you are unemployed or disabled. In fact, Edwards Audrey, author of "U-Do-It Credit Repair" notes, "By law, if you have been turned down for credit, each of the three major credit bureaus must send you a copy of your credit report free of charge" (1). To get this free report the consumer's request must be accompanied by a copy of the denial letter. Once a copy of credit report has been received, determine the status. Unfortunately, 70% of American consumers have at least one item in their credit report that is negative (Hammond 41). Trouble is, the information may well be incorrect, misleading or inaccurate. It is definitely recommended to
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