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Free Credit Reports

Punani Killa said:
www.annualcreditreport.com

This site offers free annual credit reports from the 3 major credit unions. The only catch is you can only do it once every 12 months. Anybody thinking about buying a car or a house should jump on this.
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Credit reports are one thing. Can you get the scores too? Many of these deals won't give you the scores for free, just the report.

-VG
 
VegasGuy said:
Credit reports are one thing. Can you get the scores too? Many of these deals won't give you the scores for free, just the report.

-VG
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True, but at least you can get an idea of where you stand. There are some people who have items in collection and don't even know about it.
 
Punani Killa said:
www.annualcreditreport.com

This site offers free annual credit reports from the 3 major credit unions. The only catch is you can only do it once every 12 months. Anybody thinking about buying a car or a house should jump on this.
Click to expand...


good info for dudes to get up on. the only thing i'll say is that when i used that site a year ago they didnt NEARLY make you jump thru the hoops to prove your identity that they do now. experian is pretty straightforward, transunion wants to know what you had for dinner last night, equifax straight up wont give it to you without calling. for those of you that havent gotten your reports yet i would google the phone # instead and do it that way. also, if you have things in collection & you dont want your home or cell # appearing on your credit report, make the call from a payphone (and no, it doesnt make a difference if you block your number)




VegasGuy said:
Credit reports are one thing. Can you get the scores too? Many of these deals won't give you the scores for free, just the report.
Click to expand...


the only scores that count are the ones from myfico. there are discount codes all over the net but scores from all 3 usually run about 45 bucks. with discounts you can knock it down to 38
 
hey, would u happen to know if disputing a charge on your credit report online is the best way to get a unknown charge off your credit, it seems the easiest and most convenient way but i've never done it so easily online before, or should I just send a letter to all 3 major credit bureaus?/(the hard way)
 
infamouz646 said:
hey, would u happen to know if disputing a charge on your credit report online is the best way to get a unknown charge off your credit, it seems the easiest and most convenient way but i've never done it so easily online before, or should I just send a letter to all 3 major credit bureaus?/(the hard way)
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Disputing a charge is not 100% but it does get some of the charges off it you stay consistent and keep sending them letters over and over. There are sites like Lexingtonlawfirm.com that do it but you could do it yourself. I have done it for a few people (for a nominal fee :cool: ).
 
Yes Sir!!! I fucced with this site last week....shit saved me a lotta time and money!!! Fucc your score if you have a shitty ass report you kinda know where your score is!!!! I was juss bout to dispute my delinquincies and hope a few fell off but come to find out....my shit mandatorily falls off next year!!! Yes fuccin Sir!!!! All of my delinquint shit falls off next year!!! So I should easily jump up like 60-80 points. My shit will be perfecto!!!
 

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