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Buying your credit report?

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fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sat Sep 13, 2008 1:09 pm

Yes instead of selling your service why not leave some tips for us to help us along the way to our own credit repair?

Guest

Subject: AnnualCreditReport.com

Mon Dec 29, 2008 7:33 pm

As tempting and secure as it sounds - I am still leary of entering my SSN online for anyone.

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 184
Location: McKinney, TX

1127 Magic Points

Mon Dec 29, 2008 10:36 pm

I will tell you that you have a couple options for getting a credit report...

1) Request it from annualcreditreport.com - But be aware, these reports not only lack score (unless you pay for them, at roughly the same price you pay with any other service), and they often lack alot of critical information used for dispute purposes... (Date of first delinquency, etc.) To get all three generally takes abot 20 minutes online...

2) Request them from the bureaus themselves... Online, or over the phone. The same rule applies though... No scores, unless you buy them... They can be mailed, or offered to you online. (Mailed is always better.)

3) If you're in the market for a home, get a mortgage credit report from your lender if they'll give it to you... (Legally, they're not supposed to...)

4) Order them from a website that sells three-bureau, three-score reports.. The site I own [YES, I own it, but I listed the other options first, so don't squawk at me for "selling"... LOL] is [deleted] - violation of forum rules , and it has several online options that are all 100% safe and secure. They range in prices and services. Some include "free trials" for monitoring, etc...

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Tue Dec 30, 2008 5:01 am

This is true, I get mine three times a year, one from each of the credit reporting agencies. Space them out and you can have the whole year covered to monitor what is going on on your report.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Wed Dec 31, 2008 12:29 am

I am about ready to pull my last report of the year. I usually do not look forward to doing it because it always leaves a pit in my stomach after I do. I looked into pulling all three but I can only find sites that charge you about $19.99 a month. I would pay if I was constantly repairing or had to monitor my account but since I am not doing either of those I will just use my free pulls for now. Gosh I am pulling now and there is soo much fine print. Okay One negative left..Midland...just as I thought. Last payment was Dec. 2003...so should be falling off soon right?

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sat Jan 17, 2009 5:32 am

Should be, I need to pull mine soon too, I hate to do it, hate to see, it is very nerve racking, should be better than last year that is for sure. Next year I will have alot fall off.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sat Jan 17, 2009 2:01 pm

I know just to pull a report if you know someything is on there is stressful. According to my report the last bad mark falls off 9/2010. Thats the latest fall off date listed. The other two reports a fall off date alot sooner than that one. No I still have not figured out why 3 different dates.

CRRoylandino
Guest

Subject: Advise

Sat Mar 21, 2009 3:23 pm

Is hardly more detailed and it would be excellent

NightStar

Joined: 10 Mar 2010
NightStar's page
Posts: 143
Location: Illinois

3061 Magic Points

Sun Mar 14, 2010 10:07 pm

Consumers can get free reports a few different ways from www.annualcreditreport.com or by calling 877-FACT-ACT

They can also call the major credit reporting agencies:

Experian - 888-397-3742
Equfax - 800-685-1111
TransUnion - 800-916-8800

If the consumer calls in saying they have been denied credit or had adverse action the credit reporting agency will scan the credit report to see if any inquiries were made in last 30 days and they will send out a free report.

The credit reporting agency has no way of knowing when a consumer was denied or received adverse action. So if you know a creditor is doing periodic account reviews, and you know when about the next one is coming up you can call in and get a free report.

Also if you go to say Experian dispute online you can put in old report number and get access to the file, if you dispute the credit reporting agency will send out updated info.

http://www.experian.com/disputes/

Also consumers can get free reports for these reasons:

Soon to be looking for employment
Denied employment
Denied credit
Victim of ID Theft
On public aid assistance

Consumers might have to get an address to send in some of these request with requested documentation proving status, like for public aid.
_________________
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Lena
Guest