notkeepingitreal.com: Credit Reports All Around

Credit Reports All Around

Kevin — Fri, 05 May 2006 20:31:00 -0600

I read somewhere that “The Fair and Accurate Credit Transactions Act (The FACT Act) entitles all Americans over the age of 18 to receive one free credit report from all three credit reporting agencies.” I checked it out, so here’s wagwan...

You apparently have a right to know what’s going on with your credit, but you apparently don’t have a right to get your actual numerical credit score for free. Damn.

I believe one of the companies offered to give me a number for six bucks, but that seems pretty steep after I thought it was coming in the mail for free. On the up side, the reports are fairly complete, completely free (once a year), reasonable straitforward – and they came about three days after I called in the request.

You can check out the service online or use their toll free number, 1-877-FACTACT, to hook yourself up.

"Credit Reports All Around" by Kevin

Mon, 29 May 2006 18:30:34 -0600

this hoffer: That’s your good for filling in some of the gaps relating to hot information that can be had from these credit agencies. Like you say, it’s definitely critical to note anomalies – like bills that for some reason have ended up at the credit agencies before coming to you. Nuff love.

"Credit Reports All Around" by this hoffer

Sat, 27 May 2006 22:33:34 -0600

word b. that’s your good being a mindful consumer and checking out your credit report. it’s also important to note that having a glance at your credit report is beneficial for reasons other than learning your score. the main reason being:

you may be suprised to find a credit card you had years ago but no longer use is still a valid, open account. having a look at your credit report is a good way to see an actual listing of all accounts open in your name. that way you can be sure to wax the ones that you thought were closed. and it’s been said that having mad amounts of open accounts isn’t neccessarily a positive thing in the eye of a lender. Along those same lines, when I checked my credit report over a year ago i was mad perplexed when i found a bill from rockingham memorial hospital was on my report. apparently i never paid the portion of my er visit bill that was not covered by insurance, and the hospital sent it to a collection agency, although i was never contacted about it. again, it’s good just to check to see wagwaan.

it’s also highly recommended that your obtain a report from all 3 reporting agencies, as discrepencies may exist between the three so having all three is the best way to get an accurate picture of your true credit report.

the mad hard up thing about these reporting agencies is that it could take them mad long before they recognize a significant change with an account on your record. for example, if you check your report and find you have a $3,000 outstanding balance on a credit card and you work hard to pay it off it could still take and given agency several months to make the updated change on your record.

b, that’s your good submitting this hot article. mad love