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What is it that all of the guru’s keep saying? That you need to know what is on your credit report in order to start being able to fix it? I have heard that from several people that I know that have been taking money saving courses and the like, and it has really got me wondering what in the world I will find out if I get my free credit reports. I guess I am afraid to find out what is affecting my score, because it could be more things than I know of right now, which means that there is more I need to take care of. I guess it really is a good idea to know what’s on your report so you can start fixing things as best you can.