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HomeCredit ForumCredit repair

Buying your credit report?

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Richard
Moderator
Richard

Joined: 27 Jun 2006
Richard's page
Posts: 110



4608 Magic Points
Subject: Buying your credit report?
 
 Posted on Fri Apr 04, 2008 10:46 am  
Mails or online buying of credit reports are possible. This letter shows how you contact them via mail to buy your credit report.

Your Name:
Your current address

Name of CRA:
Address of CRA:

Dated:

Dear Sir/Madam,

I would request for a copy of my credit report that is maintained at your end.

Full Name:
Birth Date
SSN:
Current address:
Previous Address:

I have enclosed a check of $____ herewith. I am also attaching my driving license as address proof and a photocopy of my SSN.

Please forward my credit report to my present address at the earliest.

Thank you,
Sincerely,

Signature
Name in print
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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1091 Magic Points
 
 Posted on Fri Apr 04, 2008 6:19 pm  
Good resource for those who don't want to pay for it online, thanks
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 915



2963 Magic Points
Subject: cr
 
 Posted on Fri Apr 04, 2008 10:48 pm  
Yea..THIS way your inforamtion doesn't go out via the internet. Hopefully..the mail won't get lost and someone will FIND your information.
 
acydblack



Joined: 05 Apr 2008
acydblack's page
Posts: 3



131 Magic Points
Subject: Get it for free
 
 Posted on Sat Apr 05, 2008 4:16 am  
you can visit www.annualcreditreport.com to get a free credit report once every 12 months for free. Its The Law!
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 915



2963 Magic Points
Subject: cb
 
 Posted on Sun Apr 06, 2008 1:02 pm  
'Annual Report' is good. first time I used them was last year. Also.....you can 'dispute' items, USING Annual Report. That way you can see your credit for free AND make 'corrections'.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1091 Magic Points
 
 Posted on Sun Apr 06, 2008 11:09 pm  
I use it too, I use one about every four months that way you can see if any changes are made, there are three different ones so if you space them out you can keep the year about covered.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
cbass1017



Joined: 01 Feb 2008
cbass1017's page
Posts: 89
Location: PA


353 Magic Points
 
 Posted on Mon Apr 07, 2008 3:18 am  
I just used annualcreditreport for the third time about a month ago and I always dispute my credit my mail as apposed to the net just because it is the easiest way to provide proof along with your dispute. You can also request a corrected up-to-date copy of your credit report everytime you dispute something so I have always just spaced out my disputes so I am getting to see my credit reports more than once a year. But I really like goodnatured's process above as well and I think I'll start doing that way in the future. I'm sure it's best to dispute something wrong on your credit as soon as you spot it.

Although even while going through annualcreditreport you have to be cautious. there are so many sneeky attempts by the credit bureaus on their websites to get you to sign up for credit monitoring services or getting your credit score for a fee. If you're just out to get your free credit report you shouldn't have to enter any credit card or debit card numbers so if they ask you then you probably selected something you don't really want.
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Scott McKay
DiYCreditGuide.com
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 915



2963 Magic Points
Subject: cr
 
 Posted on Mon Apr 07, 2008 3:29 am  
How can you use AnnualCredit Report.com more than once per year, without being charged for it?
 
cbass1017



Joined: 01 Feb 2008
cbass1017's page
Posts: 89
Location: PA


353 Magic Points
 
 Posted on Tue Apr 08, 2008 2:40 am  
When you go through annualcreditreport.com one of the first selections you make is which credit bureau(s) you wish to get your report from. If you only select one at a time you can space it out so every four months you are getting to see one of your credit reports. The law states that you are able to get a copy of each of your three major credit bureau reports once a year but it doesn't state that you have to order all three at once.
_________________
Scott McKay
DiYCreditGuide.com
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1091 Magic Points
 
 Posted on Sun Apr 20, 2008 12:10 am  
that is what I do, then I can monitor any change.

If you get a denial on a credit request you can request a free report too, so if get denied reqest a report.
_________________
Goodnatured,

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



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4112 Magic Points
 
 Posted on Mon Apr 21, 2008 12:55 am  
I am pulling my next one in August. Have some things that are suppose to fall off.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1091 Magic Points
 
 Posted on Tue Apr 22, 2008 1:39 am  
Hopefully you will have positive results, please keep us updated.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
cbass1017



Joined: 01 Feb 2008
cbass1017's page
Posts: 89
Location: PA


353 Magic Points
 
 Posted on Wed Apr 23, 2008 2:38 am  
Its always great to see a negative account fall off of your credit report! I just have a little over two more years to go and I will be rid of my bankrupcty showing on my reports. I'm sure I'll be doing a little dance when that day comes.
_________________
Scott McKay
DiYCreditGuide.com
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4112 Magic Points
 
 Posted on Wed Apr 23, 2008 8:34 pm  
I have two years myself for the collection on my report. the other one falls off this july. Some stupid doc. office bill that shouldn't even be there cause at the time I had full medical. Its only like $40 but I haven't heard from any collection place about it and since it falls off shortly, I figure thats good enough.
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 440



11395 Magic Points
 
 Posted on Thu Apr 24, 2008 4:13 am  
Have come around after a long time Smile. Im seeing a lot of new members here as well. Hello to everyone.

I am impressed by the positive results reflected here in the posts. Great going people!!
_________________
Best Wishes
Justin
 
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