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01-13-2008, 05:05 PM | #1 |
Donating YT Addict Join Date: Aug 2007 Location: Chicago
Posts: 944
| Credit Reports Does anyone know where I can get my credit report or at least figure out what my credit score is?? TIA!! |
Welcome Guest! | |
01-13-2008, 05:36 PM | #2 | |
BANNED! Join Date: Aug 2005 Location: Kentucky
Posts: 9,248
| Quote:
www.myannualcreditreport.com. it is free but you have to pay a little for the score. i think I paid 5.00 a couple of years ago. | |
01-13-2008, 05:38 PM | #3 |
Donating YT 500 Club Member Join Date: May 2007 Location: upstate ny
Posts: 5,847
| You can try www.freecreditreport.com. I think there might be a fee though. |
01-13-2008, 07:58 PM | #4 |
BANNED! Join Date: Aug 2006 Location: north florida
Posts: 139
| Wachovia Bank will run one if you ask for a free financial checkup. Maybe other banks do likewise. |
01-13-2008, 08:00 PM | #5 |
Donating YT Addict Join Date: Aug 2007 Location: Chicago
Posts: 944
| YAY!! I have one next to my apt building. I tried those websites and they wanted me to sign up for a trial period. I don't like putting my credit card information in on random sites. Thanks! |
01-13-2008, 08:03 PM | #6 |
Donating YT 10K Club Member Join Date: Jun 2007 Location: DFW, Texas
Posts: 11,003
| www.annualcreditreport.com is the only site that you can get a free credit report once a year that isn't also trying to sell you something.
__________________ ~Magnifique Yorkies~ Purchasing from backyard breeders, pet shops, and puppymills perpetuates the suffering of other dogs. Educate yourself and buy from reputable breeders or rescue. |
01-13-2008, 08:12 PM | #7 | |
Donating YT Addict Join Date: Aug 2007 Location: Chicago
Posts: 944
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01-13-2008, 08:22 PM | #8 | |
I Love My Lil' Punkin's Donating Member | Quote:
__________________ Mommy Loves Stedman and Tatum! They have us wrapped around their little paws! | |
01-15-2008, 04:15 PM | #9 | |
Donating YT 500 Club Member Join Date: May 2007 Location: USA
Posts: 1,093
| sorry if this is too long Quote:
It is long but has lots of information. "Some of the things that are most damaging to your credit score aren't obvious unless you're vigilant about reviewing your credit report. One in four reports contains a serious error, according to the U.S. Public Interest Research Groups. On the more sinister side, there might also be damage from identity theft or an old library fine unknowingly sent to collections. Get your free copy at AnnualCreditReport.com. (Found a problem? Use our resources for help on fixing errors and fighting identity theft.) Although you'll have to pay to obtain your credit score, it's worth the $15.95 at MyFICO.com to check it on an annual basis -- or more frequently if you're preparing for a major purchase, like a home, says Credit.com's Detweiler. This year, FICO has adjusted its formula to more widely separate the good lending risks from the bad. As lenders begin using it early this summer, make sure to request your score to assess the changes. "Someone who has always thought, 'I have a good score, I don't have to worry about it,' should check again," says Detweiler. The new formula no longer includes accounts on which you are an authorized user, which may hurt the scores of spouses, as well as young credit users piggybacking a parent's line of credit. But other consumers may actually see their scores rise, thanks to more lenient late payment and credit request weightings. In that case, you'll want the score in hand to start calling up your lenders and negotiating for more favorable interest rates, says Detweiler."
__________________ Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Louis Pasteur, Michaelangelo, Mother Teresa, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein." -- H. Jackson Brown | |
01-15-2008, 04:18 PM | #10 |
Donating YT Addict Join Date: Aug 2007 Location: Chicago
Posts: 944
| I have a question about a credit card. I've had a credit card for about a year now. Normally I'll use it for the month and then pay it completely off when my bill is due. I was told that my credit score will go up more if I just pay the minimum payment. Is this true? |
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