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What you can do is get your free credit report annually, and buy the second one

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Laura

Laura

Joined: 21 Jun 2007
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36528 Magic Points

 
Posted on Thu Nov 15, 2007 6:44 am  

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 Smile
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Laura.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Thu Nov 15, 2007 2:11 pm  

Actually in the credit repairing process that is probably an excellent suggestions Laura. I could check it for free with one of the agencies every six months.
anthony

anthony

Joined: 31 Jul 2006
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13609 Magic Points

 
Posted on Fri Nov 16, 2007 5:55 am  

What you can do is get your free credit report annually, and buy the second one. Some states provide two reports annually. Smile
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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.
goodnatured



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Posted on Sun Nov 18, 2007 12:05 pm  

Ours don't I tried, just have to wait till my year is up, I don't think I have enough time in to make any big changes anyway, I will wait the year out and then I know it should be better. thanks anthony
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anthony

anthony

Joined: 31 Jul 2006
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13609 Magic Points

 
Posted on Tue Nov 20, 2007 4:06 am  

Welcome Good.

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. Smile Hope this helps.
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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.

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