The only way to get a report with the scores is to pay for it but be careful there are companies that have their scoring system that is not used by most lending institutions. (uscaonline.com)
It will take at least 2 years for most lending institutions to consider graduates for loans again. (badcreditloanservices.com)
Most lending institutions need up to three years of stable income to decide if you qualify for a debt consolidation loan. (debtfirms.com)