Your first step is to find out exactly where
your stand, and exactly what information prospective creditors will have available
to them. You must contact all three of the major credit reporting bureaus.
Their business is to collect information on as many people as possible, so,
unless you are very young, or have totally avoided credit, you are probably
already in their databases. Also, you may or may not be in one or more negative-information-only
databases. Additionally, there are other database/marketing companies that
probably hold information on you which may affect your credit standing.
The Major Credit Bureaus
Experian (Formerly TRW)
Guide To Credit Reports
Checking Account Information Bureaus
ChexSystems And Deluxe
National Information Services - FIS (Formerly eFunds, formerly
National Check Protection Services - NCPS)
Tenant Information Bureaus
Verification Service - Serves both US and Canada.