cara asked:


I am looking for Experian credit report.
Many of the websites, have you sign up for a free trial, and give credit card #’s…

I don’t trust that…

Gertrude

Dana B. Smith asked:


When you are trying to repair your credit, it may be best to try to fix it yourself. If you suffer from bad credit you will find that numerous firms will contact you claiming to be able to assist you in rebuilding your credit for a fee and once you hire them they will take care of everything. However, the truth of the matter is that fixing your credit on your own may be the best thing you could possibly do.

 

Fixing your own credit can be a difficult process but many who opt to fix their own credit do not find it that difficult to do. More and more people are beginning to repair their own credit. If you want to go this route you need to first contact one or all the three major credit reporting agencies, Equifax, TransUnion, and Experian. Ask them to send you a free credit report. The FACT act was passed in 2001 by Congress and the act lets every consumer obtain one free copy of their credit report annually.

 

Once you have obtained a copy of your credit report, you will need to take some time to check all the information for accuracy. You will most likely find some mistakes. These discrepancies may be due to the fact that that an old account that you had has been paid off but it is still being reflected on you current statement.

 

Once you have made a list of all of the mistakes on your credit report, mark them on the credit report or on a sheet of paper. Send a copy of the report to the agency you obtained your credit report from. You may want to contact them by telephone as well. When they receive your complaint they will ask for proof that what is on the report is indeed an error. This is why it is best to send a copy of your credit report to be on the safe side. When they check the error they will notify you saying that they have fixed the mistake or that they do not have enough proof to take the mistake off of your credit report. If you want to successfully improve your credit you need to be stringent when it comes to making sure that all the information on the credit report is correct and reflected on your statement.

 

A big part of beginning any type of credit repair plan, whether you are repairing your credit yourself or using a debt counselor, is making a long-term plan to keep control of your finances so that you will not make the same mistakes you made with your credit in the past. Credit repair counselors are there to assist you but what is the use of paying their fee if you later find out the firm is not reputable?

 

Repairing your credit is very time consuming and it will require that you take it very seriously. Over a period of time, you will see the positive and favorable results. You will soon know that these results came about through your own motivation and your own efforts. There is absolutely no better feeling.



Dustin

Zongy asked:


This is inregard to going to the Internet using the web site www.annual credit report.com .to get one’s free credit report from the three main credit report companies ” Experian ”
. ” Equifax” , and ” Transunion ” (sp).. Although by a new law , one can get a free credit report ” one time ” , is there a ” gimmick ” whereby you are inviting all kinds of spam people to bombard you with sales deals , or worse , requiring you to make purchases ?
Appreciate feedback !

Darrell

no name asked:


I went to the free credit report sites and they weren’t able to process my information due to the fact they asked me a question about something on my account that shouldn’t be there. So if you can only speak to a live representative after you order a free credit report.How do I inform them the mortgage they were asking about shouldn’t be there and that I’m unable to get my report due to this false information? Is there a mailing address for the credit report companies I can mail a letter to? I only get a automated message when I call the credit report companies. I need to get my credit report before I can work with a credit repair company on how to fix my credit.
The site I was on didn’t give a mail in option. Just unable to process from the information I gave.

Lucy

Ian Webber asked:


Credit Repair - It Takes Three to Tango

Get all three of your credit reports. There are a variety of ways to do this. In fact, as any one who has started a credit repair project knows, there are about a thousand ways to get your credit reports on the Internet. Everyone has his or her own favorite, so this is somewhat subjective, but you may want to try it my way.

It’s Free, but it’s Hard

Stay away from annualcreditreport.com. Annualcreditreport.com is the site set up by the three credit bureaus under the mandate of the Fair Credit Reporting Act (FCRA) for the purpose of providing free credit reports, one from each bureau, one time per 12-month period. Okay it’s free. But darn, it’s a pain in the ****. The site itself is a hub that directs you to each bureau in turn, so you will be making your effort in triplicate. Did I say effort?

Millions are stopped at the Security Blockade

Yes, folks, you will probably be sweating by the time you are done. And there is a pretty good chance you will not get all three reports. What? Right-o. You will have to face a series of security questions that may block you from your credit reports and delay your credit repair project until the obstructing bureau mails you a pass code. Credit repair is tough enough without the frustration that this site can impose. There is a better way.

Credit Repair Bucks Well Spent

Your credit repair effort is really important. Keep everything in perspective. If you have the fortitude, are comfortable on the computer, and feel up to the task, go ahead and get your reports from Annualcreditreport.com. Otherwise, if you are like me, and want to get the show on the road, just go to Truecredit.com and part with $14.95 for a one time tri-merged report.

Minimize the Credit Repair Pain

The process is quick the security is appropriate but manageable, and the report is easy to look at. And that may make a big difference as you get your credit repair job underway. But there is a trick. On the Truecredit.com site you need to find the light grey text that says, “You can also get your three bureau report, without the free scores”.

The Case of the Hidden Link

Just click on the underlined phrase, “without the free scores”. This line does not conform to web standards for a link and is almost hidden. You need to look hard. Oh, and once at the order page please deactivate the two pre-checked boxes that attempt to sell you nonsensical “Debt Analysis” and “Home and Auto Insurance Scores”.

My Credit Repair Money

I’ll let you draw your own conclusions about the accessibility of the link, but as far as I know this is the cheapest way to get a great tri-merged report without signing up for a monthly monitoring service, identity theft protection, and other costly extras that the credit bureaus want to sell. There is nothing particularly wrong with any of these extra features, so it’s up to you, but for my credit repair money, I like the simple path.

A Few Good Tips

Once you decide to take this path here are three pointers. You should jot these down. Your credit repair project will benefit. Here you go. One, make a note of your user name and password; you may want to log back in later. Two, look for the “printable copy” link. If you are going to print your reports this option is much better than a screen print. And lastly, notice the extra-info links offered in each account section. This info may be handy, so don’t overlook it.

The Credit Repair Lifeline

If all of this is daunting just call a credit repair professional. He will guide you through the process of getting your reports. And of course, once your reports are in hand a credit repair expert will provide all of the guidance you need to make sense out of the entire task. This is an important business! So if you find yourself intimidated, just call a pro. One way or the other, take action and you will succeed!

Copyright © 2008 Ian Webber. All Content. All Rights Reserved.



Margaret

mrfrudd2006 asked:


I heard than anyone can order their free credit report and score for free once annually on several websites. If you know how to do this, what website is really safe and how could you tell a site is a scam to just collect personal information to sell to fakes?

Gilbert

Amy Gordon asked:


How will you know whether your financial position is really in a good shape or not? This is where the credit report comes in handy. The real essence of a credit report lies in its ability to help you understand the financial matters along with your credit status. In fact, the report is prepared by the credit bureaus, who keep a track of all your financial activities. .Free instant credit report too is meant to provide you a detailed report about how to maintain your financial well being. This report is absolutely free and can be derived mainly by applying online.

It is your credit report on the basis of which, your loan application form is approved or while applying for a credit card and even while applying for a job. Thus, it becomes equally important to have a free instant credit report. Moreover, the report will also assist you to check if there are any inaccuracies or irregularities on your report and which can be a major embarrassment for you in future.

In accordance with the federal law, the report is issues mainly by 3 prominent credit agencies namely, Transunion, Equifax and Experian. Initially, this report is meant to keep a check on your various financial activities and credit stand. The information pertaining to your financial activities is collected from the lenders and merchants. So, it is of utmost importance to keep checking your credit status on a regular basis.

There are various websites who specialize in offering free instant credit report. Online accessibility of this credit report is beneficial when you are in need of this report urgently. Moreover, you can derive the report without paying any nominal fee.

A  credit report is an official document which contains complete details about your personal information, credit standing, financial transaction made on the past, outstanding payments that remains to be paid along with your credit score. So, a free instant credit report is all that you need to have a perfect understanding about your credit report.



Carl

Anna Josephs asked:


Credit report score help to know how credit worthy you have been. Credit report is your personal financial report card in other words it’s nothing but all your credit history. Your credit report can affect your daily life from where you live and work to how much you pay for a loan or insurance. Here’s a guide to protecting your financial reputation

Unfortunately many of us do not know our credit score, if you take an approximate you will come to know that only 33 percent of consumers know their credit scores according to Government Accountability Office.

As important as it is to know how much money you have available before you write a check, it is equally important to know your credit score and what is on your credit report. Not knowing these things could cost you money.

You can have a copy of your credit report and one should know where he financial stand at the end year. This credit report keeps all the track of your purchasing and payments of your bills and many other financial matters.

This credit report helps agency to determine whether or not to give you a line of credit or loan you money. As higher the score, the les risk the lender believe you to be. As your credit score climb you interest rate you are offered probably decline.

The credit report lists your each and every financial detail, like the account you have open, even if it contains a zero balance.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Yearly Credit Report . For more details please contact at annajosephs@gmail.com



Martin

laura asked:


this website tells you that you will get a free report if you sign up, then if you do not cancel in your free trial, you will be billed
found out that the report is free. You pay for the monitoring of all 3 credit bureaus, and 50,000 in i.d theft insurance, plus you have unlimited access to your report and score. and it will never effect your credit . That’s not so bad.

Carol

superjustin asked:


freecreditreport.com , experian, transunion, equifax are all in together to make money off me. Where can I get a “real” free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service ?

thanks for any help!

Daniel