Posts Tagged Three Times
Don’t Pay For Your Free Personal Credit Report
Tim Parker asked:
All over the Internet, advertised on TV and radio, and saturating magazines are reports for services that will help you obtain your free personal credit report. Here’s the bottom line: Although I don’t have personal experience with these services, if they are charging you fees, they are banking on the fact that you don’t know that you can get it for free.
As you probably know, you are entitled to view your free personal credit report from the three reporting agencies for free once every 12 months. Notice that I said, FOR FREE three times. You don’t have to pay anything if you view it online. It’s extremely easy to obtain but you don’t do it by going to one of those advertised sites. Instead you go to a site that isn’t advertised. It’s the official site to get your free credit report called Annualcreditreport.com.
The process is very easy. Go to the above site, select your state and answer the questions. Select all three credit reporting agencies and get each report. Make sure to print each report and go over it with a fine tooth comb. If you see any errors, go to each reporting agency’s website and follow the instructions to dispute the misinformation.
While you may be tempted to close out your unused credit cards that have been sitting idle, the credit experts recommend not closing these accounts. Apparently it is better for your credit score to keep these accounts open By closing your cards, it decreases the amount of credit available to you which increases your debt load. Also, keep track of your FICO score. Your FICO score is what qualifies you for a loan and sometimes a job.
The most important thing to take from this article is this: Do not pay for your FREE personal credit reports. It’s quick, it’s painless, and it’s free when you go to the site that is set up by the government.
Philip
All over the Internet, advertised on TV and radio, and saturating magazines are reports for services that will help you obtain your free personal credit report. Here’s the bottom line: Although I don’t have personal experience with these services, if they are charging you fees, they are banking on the fact that you don’t know that you can get it for free.
As you probably know, you are entitled to view your free personal credit report from the three reporting agencies for free once every 12 months. Notice that I said, FOR FREE three times. You don’t have to pay anything if you view it online. It’s extremely easy to obtain but you don’t do it by going to one of those advertised sites. Instead you go to a site that isn’t advertised. It’s the official site to get your free credit report called Annualcreditreport.com.
The process is very easy. Go to the above site, select your state and answer the questions. Select all three credit reporting agencies and get each report. Make sure to print each report and go over it with a fine tooth comb. If you see any errors, go to each reporting agency’s website and follow the instructions to dispute the misinformation.
While you may be tempted to close out your unused credit cards that have been sitting idle, the credit experts recommend not closing these accounts. Apparently it is better for your credit score to keep these accounts open By closing your cards, it decreases the amount of credit available to you which increases your debt load. Also, keep track of your FICO score. Your FICO score is what qualifies you for a loan and sometimes a job.
The most important thing to take from this article is this: Do not pay for your FREE personal credit reports. It’s quick, it’s painless, and it’s free when you go to the site that is set up by the government.
Philip
Would you find it odd if oh say a bank(Bank of America for instance) ran 14 credit checks on you in less than?
Posted by admin in Immigration on January 22, 2009
SilverPhoenix asked:
a year on your personal credit report and the only thing you hold with them(per se) is a business loan account? Just curious. Especially(just as an example of course) you’ve had done business with them the past five years and never had anything like this in any of the previous years happen?(per se)
Funny thing is i did. They hung up on me. LOL. The payments were never late. Sure did a number on my score though.
Actually from my estimate its five to 7 points per check. Yes i have copies of all my quarterly credit reports for the past five years. I’d say they’re screwed.
to kynance: Well get this, CHASE sent me a letter not a month after i dscovered this saying they lost my personal information. Hmmm. yah just coincidence right?
Trust me its bigger than it sounds.
Well, that would be fine and dandy if i was not paying two to three times the amount owed each month. I’m a stickler for paperwork. And yes i have every statement, receipt,invoice for the past 7 years. They are not looking too good here, and THEY KNOW IT.
To baby poot: Let’s just say its out of my hands now. Figured some might find it interesting. My question to them at the beginning was where did they get my social security number? Remember it was a business account.
There’s a reason why i posted this in immigration. All one would have to do is go back and look at previous questions i have posted and answers i’ve given (along with links) to be able to put two and two together. Just read them. It will not take you long to figure it out.
And yes it’s very real.
Kansieo.com
a year on your personal credit report and the only thing you hold with them(per se) is a business loan account? Just curious. Especially(just as an example of course) you’ve had done business with them the past five years and never had anything like this in any of the previous years happen?(per se)
Funny thing is i did. They hung up on me. LOL. The payments were never late. Sure did a number on my score though.
Actually from my estimate its five to 7 points per check. Yes i have copies of all my quarterly credit reports for the past five years. I’d say they’re screwed.
to kynance: Well get this, CHASE sent me a letter not a month after i dscovered this saying they lost my personal information. Hmmm. yah just coincidence right?
Trust me its bigger than it sounds.
Well, that would be fine and dandy if i was not paying two to three times the amount owed each month. I’m a stickler for paperwork. And yes i have every statement, receipt,invoice for the past 7 years. They are not looking too good here, and THEY KNOW IT.
To baby poot: Let’s just say its out of my hands now. Figured some might find it interesting. My question to them at the beginning was where did they get my social security number? Remember it was a business account.
There’s a reason why i posted this in immigration. All one would have to do is go back and look at previous questions i have posted and answers i’ve given (along with links) to be able to put two and two together. Just read them. It will not take you long to figure it out.
And yes it’s very real.
Kansieo.com