free 3 credit reports – score

Question by Brandon: paid a debt, company reports to all 3 credit bureaus by email, how long will it take to show on credit report?
I paid this debt over 2 months ago and just called the people and they said it hadn’t been closed yet, so they said they closed it and will report by e-mail to the 3 credit bureaus tomorrow. I am trying to buy a house and that is the only thing i required taken care of before i tin get financing. So i am equitable curious if anyone knows roughly how long it will take for the credit bureaus to update my report.

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Question by David W: freezing all 3 credit reports need help identity theft?
Hi if I freeze all 3 credit reports. Can I notwithstanding close a bank account??? Can I motionless open up a bank account???I know this freeze on the three credit reports will prevent loans and new credit cards from opening up by anybody but can anyone help me with my two above questions.Thank you.

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Answer by echo
If you had ID theft, you should file a police report and send that to the credit reporting agencies. They would place fraud alerts on your files.If you think there is a chance for ID theft you tin put a freeze on your files.Yes you can open and close bank accounts, you just have to prove you are who you say you are.It is a little more hard to obtain new credit but not impossible.You tin lift your freeze for the creditors/bank that you are applying with. You should have a pin number to do that with.You will have to explain to the creditors/bank astir the fraud alert or freeze and you generally will have to prove you are who you say you are – by sending copies of your drivers license, utility bills in your name etc.

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Question by honey27: Why are my 3 credit reports different?
I have three different scores which one is considered for a home loan the high or lowest?

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Answer by trigam41
It depends on where you’re getting your loan. Some lenders use Trans Union’s score, some use Experian, some use Equifax. Some use two or entirely three. That’s definately something you can ask your lender. They should be able to tell you which particular score they use.

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Question by Buff Me: Had all 3 credit reports fixed after identity theft done to me. Does the credit agencies owe me points now?
Mother stole my identity and i was able to fix the problem. all 7 credit cards that i due due to the theft was removed.My question is, can i ask the credit report agencies to increase my credit score because i never opened these credit cards and i have documents to prove it. i figure since all of them were removed that i could have my points back that i once had. i had about 750 then due to the identity theft i now am left with 450 points.

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Answer by Terry D
Yes federal law requires that they report that you had documented identity theft proven and corrected. Thus these credit damaged actions that passed must be reassessed to hopefully increase your credit score. But the credit agencies are slimy remove and will move so slowly that you’ll probably be dead and broke before they change your actual attribute score to get a loan.

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Question by Joe T: My 3 credit scores range from 520-568 and I was wondering if I could possibly get a new auto loan w/30% down?
I have a selfsame good income but my assigned died when I was laid off a couple of years ago. Now that I have a good salary again, I am ready to buy a new car with 30% down. The vehicle is not expensive and that is why I have the down payment. I have recently paid off a couple of past collection accounts but I know there’s more. Any assistance would be greatly appreciated and thank you in advance.

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Answer by Root Worker
Try this colligate, they usually give credit to people with little or no credit. Good Luck.

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Question by rnhard7: Credit Reort.Where do I get the 3 credit reports for free. I believe we are entitled to get a copy of all 3?
reports from agencies like experian and whichever else. What are the 3 or is there one site that will give me all 3. I see that dense commercial all the dang time uh!!! I think I remember now la la la la la myfreecreditreport.com(is that correct)…I just came up with this by reacting that commercial with the roasting singing those songs….If not then what is the existent/best site to do this. Thank you in advance

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Answer by imisidro
http://www.annualcreditreport.comTOTALLY FREE — will not ask for your credit cardThe federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment. This is the government mandated website where you can get 1 free credit report from the 3 agencies for free in one year

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Question by Richard C: what website is good to get your free (3) credit scores?
Websites I checked all tie you into free trials. I’m not for that

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Answer by Akbar B
Go to annualcreditreport.com and you will get a free credit report from all three agencies. You can only do this one a year or you have to pay.Your welcome.

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Question by nadiasmomm: where can I go to get a free credit report from all 3 credit report companies?


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Answer by lisa
annualcreditreport.com……. there you can request all 3 credit reports at the same time. Experian, transunion, and equifax. It’s the real thing…FREE!!!

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