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pulling a credit report

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zackrat



Joined: 06 Jan 2010
zackrat's page
Posts: 7



9 Magic Points

Subject: pulling a credit report
 
Posted on Thu Jan 07, 2010 1:21 am  

I read on a post here somewhere and could not find it when I came back on about pulling your credit report from three different reporting agencies, sorry I can not find the post. So would someone please tell me how to pull my reports and the names of three reporting agencies, I only know of one.
thank you for your assistance, I have not got the navigation down yet.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



601 Magic Points

 
Posted on Thu Jan 07, 2010 3:43 am  

You can go to each of their websites, just good credit reporting agencies or go to them individually. They are experian, transunion and equifax, you can request one free report a year. It is a good idea to pull them and monitor what is going on. You can also get a free report if you are denied credit for any reason. If you want your score then you have to pay for it, but the report itself is free.

If you have any other questions, ask, someone will help you out.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



140 Magic Points

 
Posted on Fri Jan 08, 2010 1:02 am  

That is good information. You should try to spread out your three free pulls through the year. One about every few months. This way you can monitor it all year through. there are also sites that let you pull it any time you want for a small price.
NightStar



Joined: 10 Mar 2010
NightStar's page
Posts: 142
Location: Illinois


3176 Magic Points

 
Posted on Wed Mar 10, 2010 2:18 am  

Ok here is the run down:

Experian
888-397-3742
www.experian.com

Equifax
800-685-1111
www.equifax.com

TransUnion
800-916-8800
www.transunion.com

Innovis
www.innovis.com

You can obtain free credit reports once per year here:

www.annualcreditreport.com
877-FACT-ACT

I prefer to order reports by phone, the hard copy reports have a better format. More detailed information then the online obtained reports. Plus each report comes with a report # and a dispute phone number so you can get right into customer services if you have any questions regarding information contained on your credit report.

Also if you have current credit cards, your lenders are pulling periodic account reviews and if you know about when they are pulling the reports you can call in the credit reporting agencies and tell them you had been denied credit or suffered adverse action. The credit reporting agency is only going to know a report was pulled, they don't know if anything bad resulted by it. And they will send you a free credit report. You can keep doing this as often as you notice that the creditor accessed a report. Just be sure to call the corresponding credit reporting agency that the lender accessed the report from.
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FreedomDM

FreedomDM

Joined: 28 Oct 2009
FreedomDM's page
Posts: 105
Location: Florida


2317 Magic Points

 
Posted on Wed Mar 10, 2010 7:00 pm  

AGRRED

annualcreditreport is where we refer our clients to for a free review and report of their credit history.

If u need help reading your credit report our certified credit counselors provide a free credit report analysis to help determine what is doing what to your credit score and how it can be fixed and.or disputed, etc.

Good luck*
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Michael J Brazier
Performance Based Debt Relief
Farzana
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Subject: hLynTqOTEuH
 
Posted on Sun Apr 14, 2013 3:25 pm  

If you just want your credit ropret totally free go to annualcreditreport.com. You can do it once a year. Its safe. They will give you the ropret for free but if you want your score its like $10. All those other free credit ropret companies make you enroll in their BS and it will cost you $.
rblack



Joined: 12 Sep 2013
rblack's page
Posts: 40



215 Magic Points

 
Posted on Tue Sep 17, 2013 12:20 pm  

You can take out a free copy of the credit report from one of the three credit reporting agencies. You can take out your credit report from annualcreditreport.com, a free copy once a year.
adamsarthur87

adamsarthur87

Joined: 23 Apr 2013
adamsarthur87's page
Posts: 74
Location: Boston


439 Magic Points

 
Posted on Wed Sep 18, 2013 2:39 pm  

Make sure you are aware of the Fair Credit Reporting Act well. This will help you to keep a tab on your credit report efficiently and find out the inaccuracies as soon as they reported in your reports.

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