Archive of posts filed under the Credit category.

When reviewing your free credit report?

alicia l asked: Do they just show what you owe for this year?I only had 1 negative in my report.I know I owed a bank which turned into another bank money about 800 dollars that was about 3 years ago.
If the bank is no longer in business who do i owe money to?Dustin

Question about TransUnion free credit report?

Ben L asked: Question about TransUnion free credit report?
Hi everyone, I try to get a free credit report on annualcreditreport.com —-> TransUnion website. But I don’t know why it said:
Privacy Protection
The Identity Security System isn’t able to confirm your identity.
Explanation:
The Identity Security System confirms your identity through a series of questions based on accounts [...]

What’s the best way to get a copy of my credit from all 3 major reporting agencies?

bamagrits84 asked: I’m confused. Should I purchase reports for each 3 agencies directly or should I use one of these other companies that let you buy all three? Doesn’t the fair credit act require a free copy be given to anyone who disputes something being reported?Dale

WITHOUT using a computer, how can I get a credit report?

Mutley asked: I’ve tried asking this before, but I still get the “free credit report.com” answer.
What does someone do to get their credit report (score) if they had no computer access?
Is the world at the mercy of the 3 credit bureaus? What can I do?
I don’t want to believe that this is the only way.
What [...]

There must be another way to find out my FICO score from the 3 major credit reporting agencies than by?

April S asked: …paying $50. Does anyone know how I can get my FICO score from each of the 3 major credit reporting agencies either for free or for less than $50?
FYI: I know all about getting my credit report, so I don’t need help with that.Teresa

If you had to pay for your credit profile, which of the 3 major reporting agencies would you use?

jen asked: I have gotten my free annual report w/in the past 12 months so I have to pay to get this info. I’m not about to try to get credit or anything; just curious what it’s looking like right now. Thanks!
Oh, that’s a good idea!
I got mine all at once last year, [...]

Everyone is entitled to a free credit report once per year. Why does this NOT include the credit score?

Mick D asked: Do not want to mess with the freecreditreport.com B.S. !! I went to the “Official” source on the ftc.gv site http://www.ftc.gov/freereports. Did this last month. Decided that wanted to see credit report for all 3 but did not include credit score. The individual companies wanted extra for the credit score (Experian, Equifax, [...]

How can I pull my credit report for free without hurting my credit?

Mimi asked: I want to apply for a mortgage… but I am not sure how my credit looks about a year ago my score was a 640 and I have fallen 30 days behind on my credit card 3 times in the last 12 months. How has this effected my score? How can I figure [...]

how do I check my credit reports from all 3 agencies online? ?

chrystallec asked: It doesn’t have to be a free site, but my boyfriend and I are attempting to apply for a mortgage, and we wanted to know what our credit looked like before we go to the bank and look like idiots.Yvonne

I have 3 medical collections on my credit report they are 7 yrs old, pay them or leave them?

johnny B asked: I have 3 medical bill collections on my credit report. I am almost completely debt free aside from these collections. They will be 7 years old in April of 2011. Should I leave them be and will they be deleted in April? Or should I just pay them [...]