Buying your credit report?

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fireyone



Joined: 26 Feb 2008
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Posts: 4121



1011 Magic Points

 
Posted on 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
 
Posted on 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

Doc

Joined: 02 Dec 2008
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Posts: 165
Location: McKinney, TX


219 Magic Points

 
Posted on 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
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Posts: 3733



3 Magic Points

 
Posted on 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
fireyone



Joined: 26 Feb 2008
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Posts: 4121



1011 Magic Points

 
Posted on 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
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Posts: 3733



3 Magic Points

 
Posted on 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
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4121



1011 Magic Points

 
Posted on 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
 
Posted on Sat Mar 21, 2009 3:23 pm  

Is hardly more detailed and it would be excellent

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