Actually good checking your report twice in a year does no harm. You checking your credit report does not do any harm to your score. Keep a close watch on your report otherwise how will you maintain it? Just putting in my opinion...not necessary to follow though _________________ Regards,
Which state are you in? You receive only one report in a year in that case? SO what you can do is pull out reports from all the three credit bureaus at the same time to tally the difference in scores and make a strategical effort to fix them All the three reports will not have the same score. Reason..1) The calculations vary
2) The reporting does not happen equally to all the three...some creditors report to Equifax, Some to Transunion and some of them to Experian.
Keeping up to your payment, disputing negatives which are not yours, keeping credit balance below 25% can keep your report clean and fair. Hope this helps. _________________ Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.