First thing that anyone needs to do if they really want to get started on how to fix bad credit score so that someday they can have an 800 credit score is to start from the beginning and learn what is on your credit report. The reality is you need to know what is currently reporting on your credit report. Credit report change constantly so a credit report a few months ago or a year ago is not very insightful if you want to really get working on fixing your credit. Now there is a place that you can go that will really give you a FREE credit report but only once a year. Here is where you can go to get your free credit report at www.annualcreditreport.com. This website is actually maintained by the credit reporting agencies such as Transunion, Equifax and Experian not a marketing company trying to sell you credit repair stuff. Just remember you will have to have alot of your personal information and old accounts handy so that they can verify your identity, its kind of pain but its for your protection. With so much identity theft that is going on you should feel comfortable that they are trying to protect you even though when you are going through the process verifying your identity it can be a little cumbersome. They will ask if you want your scores and there is a charge for that but for now you just want the report.