Go to Equifaxand choose the "Equifax Complete Family Plan" and pay $19.95. Download all three-credit bureau's full credit reports for each of you. The Premier plan (you only) and the Family Plan (You, spouse and up to 4 children) are the SAME PRICE! Therefore, you and your spouse will pay an average of $9.98. If you do 4 children including your spouse the total average cost per person would be $3.33. Experian fees are $29.95 per month for the same program.
You may also email or text me your username and password and I will download them for you.
Cancel the plan after all three credit bureaus data are downloaded. Be sure you do this before you get billed for the second month.
After we work on your credit reports for 3 months, we will have you sign up again, get your reports, and then cancel once again. We know from experience that nothing significant will happen in the first two to three months of your credit repair, so we don't want you to pay the $19.95 each month. Besides, there are free credit "score" monitoring on the web. One is Credit Karma. Credit Karma and many other sites may be able to get you your scores but they are not known to be up to date and do not give you the credit details we need to repair your credit.