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HomeCredit ForumYour Credit Score

how do i get my credit score?

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fireyone



Joined: 26 Feb 2008
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Posts: 2479



18073 Magic Points
 
 Posted on Thu May 22, 2008 12:26 am  
true.
 
scott

scott

Joined: 28 Jun 2006
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4471 Magic Points
 
 Posted on Thu May 22, 2008 11:02 am  
Actually only one copy of the report is free in a year. Now charges are levied if we check the credit score more than once because I think if it were free for any number of copies, people who are not even required to check it, would check it again and again thereby creating additional problem. But I think it should be free at least twice a year.
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SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
August



Joined: 09 Jan 2008
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40 Magic Points
 
 Posted on Tue Jun 03, 2008 1:59 am  
I think that you can get one from each of the three credit reporting agencies, that would be three different reports. I have gotten a free one from each of them, experian, transunion and equifax, I usually get them a month or two apart from each other.
 
fireyone



Joined: 26 Feb 2008
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18073 Magic Points
 
 Posted on Tue Jun 03, 2008 10:57 am  
I need to go and do this. I have pulled one report this year but can not figure out which one I used.
 
fireyone



Joined: 26 Feb 2008
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Posts: 2479



18073 Magic Points
 
 Posted on Tue Jun 03, 2008 11:00 am  
They must have reset my points. I see that it isn't as high as itwas but I cashed out a long while back. I am glad they did. Does equifax or any of the other require a credit card to get your report. I clicked on one and they wanted a cc number.
 
scott

scott

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4471 Magic Points
 
 Posted on Wed Jun 04, 2008 6:51 am  
For getting a free credit report all that is needed is the name, address, Social Security number, and date of birth. I think they can also ask for your credit card number for verification.
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2908



529 Magic Points
 
 Posted on Thu Jun 12, 2008 1:04 am  
I always start with equifax, then I pull transunion a few months later and then a few months later I will pull experian. I have no reason why I pull them in this order, I just have always done it.

so pick you favorite order fireyone and go for it.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2479



18073 Magic Points
 
 Posted on Sat Jun 14, 2008 10:53 am  
I already did a while back. I only have two bad ones against me. I believe they are the same account. One is the original creditor and the other I believe is a collector. The dollar amounts are the same. Under the OC it list the account sold. Can both list at the same time?
 
goodnatured



Joined: 03 Nov 2007
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529 Magic Points
 
 Posted on Sun Jun 15, 2008 9:17 am  
Yes, and it only counts as one account as far as your score and credit ratings go. I had this happen too and questioned the credit reporting agency on it by filing a dispute with them on it. They sent me a letter saying that it would only be considered as one as for credit reporting. I think that only the original creditor and the most recent collector should be on there. When you have a few under negative or delinquent, it does not look good at all.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2479



18073 Magic Points
 
 Posted on Sun Jul 27, 2008 1:34 am  
That doesn't look good. I also think if the OC sells the account that they should be done with reporting it as well. Isn't this kind of like double jeopardy?
 
goodnatured



Joined: 03 Nov 2007
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529 Magic Points
 
 Posted on Sun Aug 10, 2008 12:46 pm  
When I asked about the double reporting I was told that it does not lower your score, that it only counts as one against you. I don't know, I think that when the buyer of the debt plugs in an inquiry to see what you have been up lowers your score too, they don't see it this way.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2479



18073 Magic Points
 
 Posted on Mon Aug 11, 2008 1:11 am  
I agree Gn. I also hear the double reporting doesn't or should I say isn't suppose to hurt you. I just do not see much purpose in it.
 
goodnatured



Joined: 03 Nov 2007
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529 Magic Points
 
 Posted on Wed Aug 20, 2008 2:17 am  
I don't either, I do think that the original creditor should fall off, my fear is that if the original creditor falls off, then the important dates would get lost, like the sol and the drop off date. It needs to be there for you to keep track of where the debt is.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2479



18073 Magic Points
 
 Posted on Wed Aug 20, 2008 6:46 pm  
That si exactly right. I think I have one company tryting to play the SOL game. The fall off date changed by a few months on a different report. I don't know if it because it is a different reporting agency and it has different rules but I am watching it closely. I have my first report showing the OC and the fall off date they listed previously. they updated my account in 5/2009 and changed the date to a few months later.
It amy not be a big deal but at least I have the first report that list the OC aznd what they listed as the first fall off date (the collector). Even thought he oC fell opff the new one I will wait and see if anything arises.
 
anthony

anthony

Joined: 31 Jul 2006
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Posts: 450



11299 Magic Points
 
 Posted on Thu Aug 21, 2008 6:41 am  
As far as I know, that even if both the original creditor and the collection agency appears in your credit report, it will be counted only once for your credit score. When an account is sold to a CA by the original creditor, the OC needs to report to the credit bureaus that he has sold off the debt to the CA. This is as per the rule under the Fair Debt Collection Practices Act.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
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