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HomeCredit ForumCredit repair

Buying your credit report?

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carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 288



8263 Magic Points
 
 Posted on Thu May 29, 2008 6:44 am  
I think it is wise to ask for the free report from each of these CRAs as each of these CRAs get information from different sources and so the information in the CR of one CRA may not be exactly the same as that of the other. This does not necessarily mean that the info provided by any of these agencies are incorrect, but they may be different.
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August



Joined: 09 Jan 2008
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Posts: 144



40 Magic Points
 
 Posted on Tue Jun 03, 2008 1:45 am  
What is the price usually for purchasing your report? I need to do this to find out my score, I can not find a site that will give me my score for free, I found a free report but no score with it. Does anyone know where I can find one that provides the score for free or a descently priced one?
 
fireyone



Joined: 26 Feb 2008
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Posts: 2411



17226 Magic Points
 
 Posted on Wed Jun 04, 2008 12:16 am  
Fro the sites I have seen they always want a credit card before giving you your score. I won't do it in case they bill some incredible fees.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 380



4081 Magic Points
 
 Posted on Wed Jun 04, 2008 5:19 am  
August,

I dont think that you get a free annual score, Just the report. FIreyone, as long as you call the number the credit monitoring company provides and cancels you shouldn't have a problem. Just get the reps name and a conf number
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scott

scott

Joined: 28 Jun 2006
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Posts: 163



4471 Magic Points
 
 Posted on Wed Jun 04, 2008 12:58 pm  
Hi Fireyone

I think they ask for the credit cards for verification purpose, as by using the card number they can get your details more easily. I don't think they will charge for the free report from your card account.
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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.
 
fireyone



Joined: 26 Feb 2008
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Posts: 2411



17226 Magic Points
 
 Posted on Wed Jun 04, 2008 11:17 pm  
What happens if you don't have a credit card. I have a couple store ones and my bank visa but will any of those work? I am soo wary of using my checking account one. Theres not much in there but its a least something.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 380



4081 Magic Points
 
 Posted on Thu Jun 05, 2008 12:47 am  
A bank visa will work fine. If you are afraid of them removing unauthorized funds why dont you but a refillable visa? Throw 40 bucks on it to buy the 3CBS reports and the FICO score etc and not worry if they try to pull more unauthorized cash. Just makesure you call and cancel any services they might have slipped into the terms of service agreement
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 380



4081 Magic Points
 
 Posted on Sun Jun 08, 2008 5:35 am  
I didnt learn anything about credit repair from any of those sites. Rolling Eyes
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goodnatured



Joined: 03 Nov 2007
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Posts: 2882



187 Magic Points
 
 Posted on Mon Jun 09, 2008 3:08 am  
I have found more information by simply googling credit repair, some people have some really good personal web pages and blogs out there on personal credit repair, they have worked through the whole process and will post their experience on the web page or blog. And then there are always forums like this one.
 
carol

carol

Joined: 27 Jun 2006
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Posts: 288



8263 Magic Points
 
 Posted on Mon Jun 09, 2008 8:39 am  
Yeah I too have learnt about credit repair from this forum and its members. This forum is a great place to share a good deal of information and to remain informed. Moreover, I have also upgraded my knowledge on credit repair a great deal by going through the pages through google search.
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fireyone



Joined: 26 Feb 2008
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Posts: 2411



17226 Magic Points
 
 Posted on Tue Jun 10, 2008 10:23 am  
I really like the idea of the refillable visa. I am always wary in this day and time using my bank card on the net. I know it is suppose to be secure but the way these hackers come up with new stuff everyday really freaks me out. I have to agree with Carol and goodnatured. I too was soo lost when I came here. I never knew half the rules to the game or all my rights. It was nice to be put on track. One of the best things was the SOLS. This is not because I don't want to pay those bills. It is just that I probaly would have just started to pay off the lowest balance accounts, which were the ones that the SOL had expired. Now after learning what I have I see that is is better to pay the ones that are a bigger danger of suing you. This site gives people the information to find a starting point in credit repair.
 
CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 380



4081 Magic Points
 
 Posted on Tue Jun 10, 2008 6:32 pm  
Quote:
Yeah I too have learnt about credit repair from this forum and its members. This forum is a great place to share a good deal of information and to remain informed. Moreover, I have also upgraded my knowledge on credit repair a great deal by going through the pages through google search.


I agree also, my comment was directed twords the now deleted post full of porn links.
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2882



187 Magic Points
 
 Posted on Mon Jun 16, 2008 3:27 am  
I agree, I have learned and shared alot on all these forums.
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Goodnatured,

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

scott

Joined: 28 Jun 2006
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Posts: 163



4471 Magic Points
 
 Posted on Mon Jun 16, 2008 6:41 am  
I too find a large number of spam links posted in this forum now a days. I don't know who does this. However, the creditmagic admin is alert enough to delete these links as soon as they appear in the forum. It is truly a good learning site for all of us who face credit related problem every now and then.
_________________
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
goodnatured's page
Posts: 2882



187 Magic Points
 
 Posted on Tue Jun 17, 2008 10:48 am  
I usually just blow over the porn or what ever is not appropriate on the site, they do eventually delete it like you said.

Fireyone,
if you google credit report or go to one of the three major credit reporting agency webpages, you can purchase your score there.
_________________
Goodnatured,

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