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Question by bugs: credit report?
Does anyone know how I can get a credit report? I refinanced & know I want to get another report. I called the agency and said i’m willing to pay for it and they were suppose to send me a form but that was a month or longer.

Best answer:

Answer by David V
You can often go to the agencies website and buy the report directly from their. Remember to hit all three major agencies. And, if you have been turned down for credit due to your report, they have to give it to you for free.

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Question by Nick S: Credit Report?
I was sued by one of the credit and collection agency. I decided to fight it and agency put the request for dismissal,. What should be my next step, how do I get it off my credit report.

Best answer:

Answer by BesiktasBob
When you get a report, ensure that it’s not on the report but it can take up to three months. If you have a copy of the dismissal, ensure that you send a copy to the three major credit reporting agencies.

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Question by ▐▀▀✿▀▀▌ LIL BEAR ▐▄▄✿▄▄▌: Credit Report?
Is it true that your credit report gets a bad mark every time you check your credit score? If so, why is that? Shouldn’t you be commended for actually caring about your score as opposed to people who don’t care and ruin theirs?

Best answer:

Answer by thepennymine
Every time you look at your credit score, you are going through a credit agency. It cannot recognize that it is you yourself looking at your score, all it can tell is it’s someone looking at your credit.

Thus, to credit agencies, it looks like you’re applying for a credit card or some other form of credit, which is what causes your credit to go down for the short term.

You don’t really need to look at your credit more than once per year anyways.

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Question by kevin p: credit report?
why on my 3in1 credit report i have 3 different credit scores. they average to 635 but they are so different. does anyone know what that means. how will that effect me bying or leasing a truck. thanks for your help.

Best answer:

Answer by gomanyes562
There are 3 different credit bureaus (experian, trans union and equifax) that each have a different formula for calculating the score. Most creditors will average them. They should be all roughly similar.

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Question by Laughing with you not at you: credit report?
Does anyone know of a site where I can get my credit report or credit score for free without having to have a credit card? Free credit report.com wants a credit card number and I don’t have one.

Best answer:

Answer by daihatsu man
If you don’t have a credit card then your score is considered unreliable. You need a credit card to have good credit.

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Question by …….: Credit report?
I have a couple of negative items that are being removed from my credit report as of 4/08 does anyone know how i ensure that has been done without having to check my credit report a milion times?

Best answer:

Answer by Bill C
Whenever a credit bureau corrects information in your credit report, they will send you a copy of your credit report.

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Question by Dee Dee: Credit Report?
I have negative accounts on my credit report that have already been resolved. Does anyone know a “for sure” way to remove them permanently without having to wait for 7 years to go bye??

Best answer:

Answer by Credit Expert
Hopefully you have a letter from the creditors showing they are resolved. If not get them. Pull all 3 credit reports, and dispute each item on all 3 reports that you say are resolved. If the bureau does not take them off fax the letters to the bureaus.

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Question by moejoefree7: Credit report?
How can you check your credit report if you dont have a credit card for online services and how much will it cost? what is the best way to get your credit report and score?

Best answer:

Answer by N2jazz
There are 3 main credit reporting agencies, Experian, Equifax, and Transunion. You are eligible for one free credit report per year or if you are denied credit for anything, you can get a free one then too.

You can do this through their websites, or give them a call and tell them you want to get your free credit report. You should not have to pay anything or input a credit card number. There are services out there that will pull your report and sell it to you if you want to pay them, but I would suggest you just get it for free and pocket the money instead.

Hope this helps!

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Question by deadviperking: Credit Report?
On a credit report does it show previous jobs that you work at and how long do they stay on the credit report? or does the credit report only report your credit?

Best answer:

Answer by echo
If previous jobs, address, names, etc., report then they will report on the personal information section on your credit reports.

Anything reporting in the personal info section can report indefinitely. If it is old outdated info or if it is incorrect info you can dispute it.

Each CRA may be different in what they list in the personal section so you should look over your credit reports from all of the CRA’s.

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Question by Turkey Choke: Credit report?
I have some information from a apartment on my credit report, that is causing a low rating. It’s like 1,500 dollars worth of unpaid debt. I was told to write (hand write) letters to the credit bureau contesting the information, and send it certified mail so someone is actually recieveing it. Can someone expain in detail what exactly to write, and to who? Do I need to write all three agencies? And how often?

Best answer:

Answer by Sgt Big Red
You can try, but if the debt is within your states statute of limitations, then they will not remove it. If it IS beyond your states SOL then you can write the CRA’s and inform them of this fact. They may or may not remove the item.

Here is a link for free info on how to dispute with the CRA’s

http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm

Download a pdf file regarding how to dispute with CRA’s

I invite you to join the following Yahoo group “DontGetRippedOff” dedicated to helping those in financial trouble, Here you will find information to help you with debt collection agencies.

http://finance.groups.yahoo.com/group/dontgetrippedoff/

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