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Credit monitoring services essentially do this for you, for a fee

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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: cr
 
Posted on Fri Mar 14, 2008 2:32 am  

Ok..this does make sense. Knowing I MAY have a better score, by ONE CB, than..perhaps...the other TWO, does make me feel a bit better!! LOL
carol

carol

Joined: 27 Jun 2006
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Location: Los Angeles, California


30054 Magic Points

 
Posted on Fri Mar 14, 2008 4:44 am  

Make sure all the CB's record good score for you. If you are working with a lender who works with another CB which reports a lower score, you might just get stuck there. It is really very important to to ensure the validity of all the reports.
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charles.armbruster

charles.armbruster

Joined: 14 Mar 2008
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Posts: 27
Location: Mesa, AZ


1355 Magic Points

 
Posted on Fri Mar 14, 2008 6:41 am  

Continuous quarterly review of your CB report will alert you to any fraud or theft incidents. And, speaking with a credit management professional will always help. This community is great -- you can ask questions and get some direction. However, researching the wealth of information out there can be tough!

Try to be as specific as possible with your facts when asking questions, too.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: cr
 
Posted on Fri Mar 14, 2008 1:37 pm  

I know there is a FREE way to get your CR's (only once a year..however)......Annualcreditreport.com. However....if you want to get it every quarter, don't you have to pay for the services? I guess if you really want/need to see it, people would pay the small fee.
charles.armbruster

charles.armbruster

Joined: 14 Mar 2008
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Posts: 27
Location: Mesa, AZ


1355 Magic Points

 
Posted on Fri Mar 14, 2008 5:40 pm  

You are correct -- actually individuals can receive one (1) free credit report from each of the three (3) credit bureaus, annually. So, smart folks can inspect their status by way of the credit report every four months, every year, for free.

Credit monitoring services essentially do this for you, for a fee. There are management services that will counsel you and your credit stance to keep your scores as high as they can be, and they help you to be lightly pre-qualified for the best rates and the largest loan amounts, whether it be cars or homes or whatever installment loan you are needing.

There doesn't seem to be a 'GOOD HOUSEKEEPING SEAL OF APPROVAL' to sort out all these credit monitoring oufits, but I wouldn't touch one of them -- they simply direct information to you, and they can't legally discuss your particular circumstance with you. Only lawyers and mortgage professionals can legally pull your credit and review it with you. Mortgage professionals who offer products like ApprovalGUARD credit management services can help folks improve their credit scores by analyzing their quarterly reports.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Fri Mar 14, 2008 10:56 pm  

I myself wouldn't want to deal with them or pay the fees associated with it. If you have access to free credit monitoring yourself why bother paying for it.
charles.armbruster

charles.armbruster

Joined: 14 Mar 2008
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Posts: 27
Location: Mesa, AZ


1355 Magic Points

 
Posted on Sat Mar 15, 2008 5:14 am  

True -- you can FSBO sell your own home, too. Also, people will often employ a credit repair agency when a certain time-frame (for a purchase, say) is important to them.
There really is a 'sea' of information out there for personal credit management. Some folks feel more comfortable 'swimming' through it with a coach.
When credit score is important to you, as when refinancing a home, credit & liability management can do wonders for those needing direction.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sun Mar 16, 2008 2:04 pm  

With all the negativity surrounding them I just thought of them as kind of like junk debt collectors. If there is hope out there through one of these agencies which one od the credit managing companies would anyone suggest?
charles.armbruster

charles.armbruster

Joined: 14 Mar 2008
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Posts: 27
Location: Mesa, AZ


1355 Magic Points

 
Posted on Mon Mar 17, 2008 5:24 pm  

There are many, but the only one I know well is one I personally work with -- Guidelines & Rules violation--Morningstar
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Tue Mar 18, 2008 12:13 am  

Wow that sure is alot to offer. I am definately looking into that one. It helps to have people who have used a service to recommend one. It saves time and money so you don't waste it weeding out the bad ones. Thanks
anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13604 Magic Points

 
Posted on Tue Mar 18, 2008 11:53 am  

Is advertising allowed like that? I am not sure.
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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.
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Tue Mar 18, 2008 5:23 pm  

No, but to do so through private messaging is ok.
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I don't dream since I quit sleeping
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Wed Mar 19, 2008 12:39 am  

Sorry I didn't relize i was in the middle of an adwertisement. Really hope I didn't do anything wrong. Thanks for informing me.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36011 Magic Points

 
Posted on Wed Mar 19, 2008 10:17 am  

Infact the poster also did not realize that. Hi Charles, thanks a lot for your help. We appreciate it but alas we have to follow the guidelines as well. But do you really need a credit management company?
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Laura.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Wed Mar 19, 2008 10:44 pm  

I see you can really get a lot of money tied up in identity protection. I checked out a sit that was recommended www.optoutprescreen.com. They keep you from getting prescreen invitations to credit that apparently add soft injuries to your credit score. They want a monthly payment there too. I know that it is very important to protect your identity but with everyday living prices astronomical most of us can't add even more to their budget. They need to set something up that doesn't charge. Kind of like how they did the do not call list. In the end I think if you are truly strapped and just can't afford it your best defense is using the three free credit reports and checking yours every four months.

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