http://www.creditmergency.com/affiliate-program – Through our credit repair tutorials you will find that the first thing you need to do to take a step toward free credit repair is to get a copy of each of your credit reports. There are three primary credit reporting agencies. These companies are Equifax, TransUnion, and Experian. You are entitled to one free report from each of these agencies a year. You should compare the three reports and write down all of your debts that appear to be damaging to your credit.