Originally Posted by LittleHoov
Free to view your credit report once every 12 months, which I believe is some sort of government regulation.
It costs a little extra to see your actual credit score, but the report is free, and I believe there is an option to keep it available for 30 days so you can go back too it.
The best part is, you dont have to enroll in anything.
Yeah, my credit union recommended this one.
Couple things of note:
- If you want to keep it viewable for 30 days, one requires you to create a log in (no big deal) and one requires that you just keep the number and date of the transaction.
- You can get 3 credit reports from this, but you can only do it once a year. It was recommended to me that you just do one to start, then wait a couple months and check another, then wait a couple months and check the other. Doing it this way will allow you to check it 3 times a year for free.
- You don't need to get in on any of the pay programs they will offer. There will be a no thanks link on all pages, so don't feel like you need to buy the extra service.
One of the other sites I am on made this really good post about credit repair 101. I will see if I can copy all the good information out of it and I'll make a post sometime this weekend. I have quoted the first post below.
Okay, ever since I posted the link to credit boards and got into some discussion regarding procedures and the possibilities of repairing near rock bottom credit, I've gotten a lot of PM'* and messages on AIM for help. I'd love to help everyone individually ( so if I don't get back to you I'm sorry ) but I think it'd be better if I just posted some general information here that should get you/everyone on the right track.
1.) Sign up for your new best friend: Credit Board
2.) Get copies of your credit reports from all 3 reporting agencies. These are the links you need:
Transunion. Click online, then if you're new, click new, or returning, click returning. Log in. Then at the top, under the tabs, click 'transunion credit report'. Then click order now.
Experian. Click the $10 link.
Equifax. Make sure you UNCHECK that 'best deal' crap to get your score included for $15.50, it'* pointless. The only score that matters is FICO...all the bureaus have are fake ones. Just get the $10 one.
**pulling these reports will not negatively impact your credit score**
3.) Once you are registered, print out this list, you'll need it in the beginning to help your head from spinning. Credit Glossary
4.) Opt-out. There are a million benefits, and even if you don't care about credit repair you should be option out. The explanation of what it is and why you should do.. and how you should do it.. are Here
5.) Read and Print out the PsychDoc Transcripts. He is very experienced in credit repair and almost all noobs are referred to his transcripts to help give insight and understanding. I read and re-read his instructions and discussions multiple times. After going through them I felt a lot better about fixing my credit... and felt like I had direction. You'll feel the same. PsychDoc'* Transcripts.
That should keep you guys busy for awhile! Good luck, it'* a long journey.. and just know ANYTHING is possible! Oh.. one last link... if you need motivation.. there is a success stories section of the forum that always inspires me to read more and work harder towards repairing my ****. You'll read that your problems aren't really that big of a deal.. SUCCESS!
You can always PM me or hit me up on aim or email if you really are still confused~!
Unfortunately, the forum requires everyone to sign up, otherwise I'd post the link. Step two mentioned above can be taken care of from the link I posted above, but won't get you your score. You'll have to pay for that.
Hope this helps.
Also, if you are looking to buy a house, my CU offers these documents to help you out