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Buying your credit report?

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Richard
Moderator
Richard

Joined: 27 Jun 2006
Richard's page
Posts: 120

5312 Magic Points

Subject: Buying your credit report?

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: 3927

10 Magic Points

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,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: cr

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

134 Magic Points

Subject: Get it for free

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

Joined: 13 Aug 2007
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Posts: 1889

1356 Magic Points

Subject: cb

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: 3927

10 Magic Points

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,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

cbass1017

Joined: 01 Feb 2008
cbass1017's page
Posts: 143
Location: PA

1528 Magic Points

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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FreeOnlineCreditGuide.com

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: cr

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: 143
Location: PA

1528 Magic Points

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.
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Scott McKay
FreeOnlineCreditGuide.com

goodnatured

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

10 Magic Points

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,
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

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: 3927

10 Magic Points

Tue Apr 22, 2008 1:39 am

Hopefully you will have positive results, please keep us updated.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

cbass1017

Joined: 01 Feb 2008
cbass1017's page
Posts: 143
Location: PA

1528 Magic Points

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
FreeOnlineCreditGuide.com

fireyone

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

127 Magic Points

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: 1240

28942 Magic Points

Thu Apr 24, 2008 4:13 am

Have come around after a long time Smile

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!!
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All the Best Smile

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Justin

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