“ Thanks for your publication. I would also like to say this that the very first thing you will need to conduct is to see if you really need credit repair. To do that you must get your hands on a replica of your credit history. That should really not be difficult, since government mandates that you are allowed to have one cost-free copy of the credit report on a yearly basis. You just have to check with the right people. You can either read the website for that Federal Trade Commission and also contact one of the leading credit agencies straight. ”