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Posted by triple black hatch (Member # 5420) on
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What up everyone I have a question. I'm trying to fix my credit any of you know a safe website to check whats on my credit report?
Posted by Boosted_DropTop (Member # 10728) on
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Creditkarma
Posted by Fostang (Member # 3752) on
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Credit karma is far from being accurate. Having said though it gives you a general basis of what your current score is and how if any improvement you have made.
Posted by fredfifty (Member # 10320) on
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www.annualcreditreport.com is free and legit
Posted by triple black hatch (Member # 5420) on
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quote:
Originally posted by fredfifty:
www.annualcreditreport.com is free and legit
Does this one show you everything in your credit?
Posted by fredfifty (Member # 10320) on
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quote:
Originally posted by triple black hatch:
quote:
Originally posted by fredfifty:
www.annualcreditreport.com is free and legit
Does this one show you everything in your credit?
yes minus the credit score, but i see thats what you need...
[ 2016-06-01, 02:32 PM: Message edited by: fredfifty ]
Posted by sic70stang (Member # 4347) on
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quote:
Originally posted by fredfifty:
www.annualcreditreport.com is free and legit
Legit. You get to check all 3 companies per year. I checked one only every 3 months to see my improvements.
Posted by LXjames (Member # 10791) on
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If you have a credit card you can have them display your score on your statement or online.
[ 2016-06-01, 05:03 PM: Message edited by: LXjames ]
Posted by SLOWBACK 67 (Member # 6348) on
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Just send me your SSN, Mothers maiden name and I will give anyone here a free credit check.
Posted by 92_5.0 (Member # 7624) on
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quote:
Originally posted by SLOWBACK 67:
Just send me your SSN, Mothers maiden name and I will give anyone here a free credit check.
Pm sent! ....jk lol
Posted by Autumnstang97 (Member # 6111) on
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I use www.myfico.com
it cost money but it give you every single detail on everything in your credit history.
Posted by PonyBoy415 (Member # 13662) on
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I use CreditKarma and I think it's great
Posted by triple black hatch (Member # 5420) on
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Thank's guys I Went with www.annualcreditreport.com Thanks for all the replies.
Posted by FivePTSlow (Member # 7682) on
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quote:
Originally posted by Boosted_DropTop:
Creditkarma
+10000000000
Creditkarma helped me go from a 672, to an 817! Totally free, and gives you all the info you need on how to improve your score.
If you have any questions feel free to hit me up, I've been playing the game to get the high score for awhile now.
Posted by FivePTSlow (Member # 7682) on
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quote:
Originally posted by Fostang:
Credit karma is far from being accurate. Having said though it gives you a general basis of what your current score is and how if any improvement you have made.
This is true, creditkarma seems to miscalculate your score lower than it actually is, so that you sign up for stuff on their sight. I've used it as a tool to build my credit. It breaks down all of the different categories and how they change your score etc
Posted by FivePTSlow (Member # 7682) on
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quote:
Originally posted by LXjames:
If you have a credit card you can have them display your score on your statement or online.
Yup, about 10 of my cards show and update your score regularly, these are spot on your actual credit score, unlike credit karma. Credit karma is good though because your scores are updated often.mand it gives you full access to two of your complete credit reports free. Trans Union and equifax I believe.
Discover will give you your trans Union score
Citibank does equifax
Barclay does trans Union
Amex does experian
Chase does experian
B of A does trans Union
First national bank does trans Union if I remember correctly
[ 2016-06-03, 06:53 PM: Message edited by: FivePTSlow ]
Posted by FivePTSlow (Member # 7682) on
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Here's where one of my scores is at, all 3 are above 800
Posted by East Bay 50 (Member # 8081) on
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quote:
Originally posted by FivePTSlow:
Here's where one of my scores is at, all 3 are above 800
Show off! LOL! wish I had an 819 credit score ![[patriot]](graemlins/patriot.gif)
Posted by venomous99 (Member # 1917) on
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quote:
Originally posted by FivePTSlow:
Here's where one of my scores is at, all 3 are above 800
not bad bro.....
try 858 fico. creditors love extending credit to me.
Posted by 135.0 (Member # 4992) on
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Can you co sign for ed650s uncle Rico?
Posted by FivePTSlow (Member # 7682) on
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I'm getting there, the only thing holding me back now is the average age of my credit is low. That's the one area I can't do much about except wait.
Once I pay off my last of the credit card debts soon, and 3 inquiries drop off this year I'm sure I'll see a huge bump in my score.
Posted by FivePTSlow (Member # 7682) on
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quote:
Originally posted by East Bay 50:
quote:
Originally posted by FivePTSlow:
[qb] Here's where one of my scores is at, all 3 are above 800
Show off! LOL! wish I had an 819 credit score
All you have to do is make it a focus. It's taken me about 3 years to go from a 672 to over 800. It's like playing an ongoing game, try to get the highest score possible while following the rules of the game.
Posted by adower (Member # 5955) on
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Credit is overrated. The only thing I needed credit for was my mortgage.
Posted by SLOWBACK 67 (Member # 6348) on
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quote:
Originally posted by adower:
Credit is overrated. The only thing I needed credit for was my mortgage.
+1
C.R.E.A.M ![[Big Grin]](biggrin.gif)
Posted by fredfifty (Member # 10320) on
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quote:
Originally posted by SLOWBACK 67:
quote:
Originally posted by adower:
Credit is overrated. The only thing I needed credit for was my mortgage.
+1
C.R.E.A.M
the R stands for Ruin. ![[Razz]](tongue.gif)
Posted by SLOWBACK 67 (Member # 6348) on
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quote:
Originally posted by fredfifty:
quote:
Originally posted by SLOWBACK 67:
quote:
Originally posted by adower:
Credit is overrated. The only thing I needed credit for was my mortgage.
+1
C.R.E.A.M
the R stands for Ruin.
LOL.
I got one credit card. I use it once every 6 months. I pay all my other bills on time. Last time I had my credit run it was 805. Did I see someone above posted they had like 10 cards!!!! ![[Eek!]](eek.gif)
Fuck that shit LOL.
Posted by hurting your feelings (Member # 13641) on
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D.R.E.A.M
Posted by SLOWBACK 67 (Member # 6348) on
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Do we even want to know what the D stands for?
Posted by venomous99 (Member # 1917) on
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quote:
Originally posted by FivePTSlow:
I'm getting there, the only thing holding me back now is the average age of my credit is low. That's the one area I can't do much about except wait.
Once I pay off my last of the credit card debts soon, and 3 inquiries drop off this year I'm sure I'll see a huge bump in my score.
aside from the obvious stuff like reducing debt and keeping your long standing credit cards open and active
,it helps to increase your credit line every so often.
http://www.bankrate.com/finance/credit/will-credit-limit-increase-hurt-score.aspx
Posted by hurting your feelings (Member # 13641) on
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quote:
Originally posted by SLOWBACK 67:
Do we even want to know what the D stands for?
Drugs rule everything around me.
Posted by stanger00 (Member # 13818) on
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I pay for transunion and have a discover card. I have 2 different FICO numbers from those two companies, lol.
I ran CreditKarma and it matches transunion. I prefer transunion simulation tools tho.
Posted by FivePTSlow (Member # 7682) on
:
quote:
Originally posted by venomous99:
quote:
Originally posted by FivePTSlow:
I'm getting there, the only thing holding me back now is the average age of my credit is low. That's the one area I can't do much about except wait.
Once I pay off my last of the credit card debts soon, and 3 inquiries drop off this year I'm sure I'll see a huge bump in my score.
aside from the obvious stuff like reducing debt and keeping your long standing credit cards open and active
,it helps to increase your credit line every so often.
http://www.bankrate.com/finance/credit/will-credit-limit-increase-hurt-score.aspx
I have about $100k in credit line for credit cards, that's way more than I'll ever use. I made sure to get my limits way up there, so even if I made a large purchase, my utilization will stay down and keep my score high.
Posted by FivePTSlow (Member # 7682) on
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quote:
Originally posted by stanger00:
I pay for transunion and have a discover card. I have 2 different FICO numbers from those two companies, lol.
I ran CreditKarma and it matches transunion. I prefer transunion simulation tools tho.
Well depending on your lender they may pull from a different bureau, so it's good to know all 3 scores if possible. As much as I like credit karma, their numbers are always off for me, especially trans Union. Their score is always 40-60 points lower than my actual trans Union score. No idea why, it has all the same info, I would bet it's likely so they can try to sell you stuff.
Posted by stanger00 (Member # 13818) on
:
quote:
Originally posted by FivePTSlow:
quote:
Originally posted by venomous99:
quote:
Originally posted by FivePTSlow:
I'm getting there, the only thing holding me back now is the average age of my credit is low. That's the one area I can't do much about except wait.
Once I pay off my last of the credit card debts soon, and 3 inquiries drop off this year I'm sure I'll see a huge bump in my score.
aside from the obvious stuff like reducing debt and keeping your long standing credit cards open and active
,it helps to increase your credit line every so often.
http://www.bankrate.com/finance/credit/will-credit-limit-increase-hurt-score.aspx
I have about $100k in credit line for credit cards, that's way more than I'll ever use. I made sure to get my limits way up there, so even if I made a large purchase, my utilization will stay down and keep my score high.
That's great idea until your minimum payments add up to or over 40 to 50% of your monthly income.
Posted by stanger00 (Member # 13818) on
:
quote:
Originally posted by FivePTSlow:
quote:
Originally posted by stanger00:
I pay for transunion and have a discover card. I have 2 different FICO numbers from those two companies, lol.
I ran CreditKarma and it matches transunion. I prefer transunion simulation tools tho.
Well depending on your lender they may pull from a different bureau, so it's good to know all 3 scores if possible. As much as I like credit karma, their numbers are always off for me, especially trans Union. Their score is always 40-60 points lower than my actual trans Union score. No idea why, it has all the same info, I would bet it's likely so they can try to sell you stuff.
My discover account provides me with a transunion FICO score.
I pay for a transunion subscription to track my credit for alerts and for score changes.
These two FICO scores are different.
CreditKarma matches my transunion subscription not my discover transunion score.
Posted by venomous99 (Member # 1917) on
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quote:
Originally posted by stanger00:
quote:
Originally posted by FivePTSlow:
quote:
Originally posted by venomous99:
quote:
Originally posted by FivePTSlow:
I'm getting there, the only thing holding me back now is the average age of my credit is low. That's the one area I can't do much about except wait.
Once I pay off my last of the credit card debts soon, and 3 inquiries drop off this year I'm sure I'll see a huge bump in my score.
aside from the obvious stuff like reducing debt and keeping your long standing credit cards open and active
,it helps to increase your credit line every so often.
http://www.bankrate.com/finance/credit/will-credit-limit-increase-hurt-score.aspx
I have about $100k in credit line for credit cards, that's way more than I'll ever use. I made sure to get my limits way up there, so even if I made a large purchase, my utilization will stay down and keep my score high.
That's great idea until your minimum payments add up to or over 40 to 50% of your monthly income.
more reason why you pay off your CC bills by the end of the month and not pay interest on cards.
Posted by FivePTSlow (Member # 7682) on
:
quote:
Originally posted by stanger00:
quote:
Originally posted by FivePTSlow:
quote:
Originally posted by venomous99:
quote:
Originally posted by FivePTSlow:
I'm getting there, the only thing holding me back now is the average age of my credit is low. That's the one area I can't do much about except wait.
Once I pay off my last of the credit card debts soon, and 3 inquiries drop off this year I'm sure I'll see a huge bump in my score.
aside from the obvious stuff like reducing debt and keeping your long standing credit cards open and active
,it helps to increase your credit line every so often.
http://www.bankrate.com/finance/credit/will-credit-limit-increase-hurt-score.aspx
I have about $100k in credit line for credit cards, that's way more than I'll ever use. I made sure to get my limits way up there, so even if I made a large purchase, my utilization will stay down and keep my score high.
That's great idea until your minimum payments add up to or over 40 to 50% of your monthly income.
Yes, as with most things, huge limits come with huge responsibility. I have less than $2k in credit card debt, so my utilization is extremely low. I can pay this debt off at any point, but they're both at 0%, so no rush.
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