T O P I C R E V I E W
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triple black hatch
Member # 5420
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posted
Does anyone know a website to check what's in your credit for free? Any help would be appreciated.
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wilit
Member # 3367
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posted
Freecreditreport.com
You can check all 3 reporting agencies for free once a year. They don't give you your FICO score though. That you typically need to pay for.
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fredfifty
Member # 10320
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posted
Thats not free.
Www.annualcreditreport.com is the real one
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Rob1
Member # 9444
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posted
creditkarma.com is free but i dont know how accurate it is though
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phonso302
Member # 9260
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posted
What are you trying to buy? Different loans use different scores...
The scores I know of are FICO,vantage,score power,plus score...
The free annual report you get for free doesn't have an actual score. The "free" scores you see advertised are usually way off
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triple black hatch
Member # 5420
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posted
I want to fix my credit and I know I have some collections on my credit. I want to know what it is so I can work with them to fix it.
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phonso302
Member # 9260
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posted
quote: Originally posted by triple black hatch: I want to fix my credit and I know I have some collections on my credit. I want to know what it is so I can work with them to fix it.
Here's some advice...
Go to the annual cradit report (its completly free no credit card required) get the free report. Any collections will be on there with contact info. Call them and offer to pay if they remove the negative info from your credit file immediately. Make sure you get everything in writing, don't take their word. Don't pay anyone to help you or go to credit repair agency they will just take your money and it will take you longer to pay.
Try and pay one collection a month or settle with them for less. Collection companies are hurting and will most likely settle.
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SWEET03GT
Member # 10283
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posted
you can go to a car dealer and say your looking to "buy a car" and they'll pull up everything if you got bad credit all your collections will show up n they'll usually high light them- and its free
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phonso302
Member # 9260
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posted
quote: Originally posted by SWEET03GT: you can go to a car dealer and say your looking to "buy a car" and they'll pull up everything if you got bad credit all your collections will show up n they'll usually high light them- and its free
and bring your credit score lower at the same time...
Annualcreditreport.com completly free and wont lower your score.
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phil a
Member # 6951
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posted
quote: Originally posted by phonso302: quote: Originally posted by SWEET03GT: you can go to a car dealer and say your looking to "buy a car" and they'll pull up everything if you got bad credit all your collections will show up n they'll usually high light them- and its free
and bring your credit score lower at the same time...
Annualcreditreport.com completly free and wont lower your score.
Correct - a 'hard' pull vs a 'soft' pull
phonso's got some solid advice here
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Gt MuStAng 510
Member # 4216
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posted
quote: Originally posted by wilit: Freecreditreport.com
You can check all 3 reporting agencies for free once a year. They don't give you your FICO score though. That you typically need to pay for.
its 1 dollar jesus,freecredit report.com ftw
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hilltim54
Member # 10655
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posted
quote: Originally posted by phonso302: quote: Originally posted by triple black hatch: I want to fix my credit and I know I have some collections on my credit. I want to know what it is so I can work with them to fix it.
Here's some advice...
Go to the annual cradit report (its completly free no credit card required) get the free report. Any collections will be on there with contact info. Call them and offer to pay if they remove the negative info from your credit file immediately. Make sure you get everything in writing, don't take their word. Don't pay anyone to help you or go to credit repair agency they will just take your money and it will take you longer to pay.
Try and pay one collection a month or settle with them for less. Collection companies are hurting and will most likely settle.
Good advice! I have a couple I need to get rid of...
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phonso302
Member # 9260
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posted
quote: Originally posted by hilltim54: quote: Originally posted by phonso302: quote: Originally posted by triple black hatch: I want to fix my credit and I know I have some collections on my credit. I want to know what it is so I can work with them to fix it.
Here's some advice...
Go to the annual cradit report (its completly free no credit card required) get the free report. Any collections will be on there with contact info. Call them and offer to pay if they remove the negative info from your credit file immediately. Make sure you get everything in writing, don't take their word. Don't pay anyone to help you or go to credit repair agency they will just take your money and it will take you longer to pay.
Try and pay one collection a month or settle with them for less. Collection companies are hurting and will most likely settle.
Good advice! I have a couple I need to get rid of...
Get on it, it will only hurt you the longer you wait.
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