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How I Cleaned My Credit and Purchased My First Home in 3 Months (Before the age of 30) Despite having a greater responsibility, home ownership is an excellent investment. Keep reading to learn these simple steps and be on your way to homownership in no time. 1.The first step is to  request your free annual credit report from all three major reporting agencies including Equifax, Experian, and Transunion.If you have already purhased the free report for the year you should still