Compare Mortgage Quotes

Guest

I already got my 3 free ones this year ... been working on clearing up some.

I pay the monthly Equifax watch .. which shows I managed to get my score from 580 to 607 in the last months.

Before, Equifax was my lowest score ... the rest being 620 and 650

Is there a single place I can pay to look at the other 2 again?

jameshogg · Posted: Tue Sep 08, 2009 10:40 pm Post subject:

Hi NaviGangsta,

The only authorized source under the federal law to give you a free annual credit report is AnnualCreditReport.com. According to the Fair Credit Reporting Act, you get to access a free credit report from each of the three nationwide reporting agencies - Experian, Equifax, and TransUnion - every 12 months. You can check out with AnnualCreditReport.com to get a free credit report.

Thanks

gmakerley · Posted: Wed Sep 09, 2009 6:36 am Post subject:

you can pay any of these sites that will show your scores as often as you like. they'll happily take your money. at some point, however, it becomes wiser to keep the money in your pocket - that point being, perhaps, the time when you have a score high enough to qualify you for the mortgage loan you're seeking.

at that point, your lender will run a report and obtain all 3 scores; you can then review those scores with the lender.

smithsara302 · Joined: 12 Jun 2009 Posts: 116 -2.38 Dollars($)

lender can also provide you information about those 3 credit score

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

One more option is you cna use some of the 30 days free trial offers which gives all the three scores for free for 30 days

Make sure to cancel them afetr 30 days

gmakerley · Posted: Thu Sep 10, 2009 6:36 am Post subject:

sunny that's one of the schemes i always urge people to stay away from. it is far too easy to forget to cancel the "membership" they give you, and next thing you know, there's a monthly charge showing up on a credit card bill...and if people don't review their card accounts, it goes unnoticed until who knows when...and with people at 90-95% of limit as it is, they stand a very good chance of being overlimit due to a moment of weakness when they sign up for such a "service."

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

George That would depends on the person.

If you are little responsible and keep soem reminders you can alwsy cancel it before the pay period kicks in or you cna cancel immeditely after you get your report

gmakerley · Posted: Thu Sep 10, 2009 12:04 pm Post subject:

yes you are right...but how many thousands of people are "a little responsible" but not responsible enough to notice this little $9 charge? then they see it, and say to themselves, "oh i'll just take care of that tomorrow" and forget to do it. and then it's another month and another charge.

because "a little responsible" is not "a lot responsible" and human nature being what it is, this takes a lot of responsibility, i'm afraid.

i still stand by what i said...these schemes are nothing but money makers for the companies that offer them, and the populace is hurting because of them. they should be avoided - the "benefits" do not outweigh the potential hazards.

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

If you want to knwo where your dollars are going then you need to pay attention to every thigns like this.

I would not call these as money makers, they do provide service and they are not taking someones money just for fre with otu offerign any service

gmakerley · Posted: Fri Sep 11, 2009 6:53 am Post subject:

yes, people need to pay attention. we could say that about our diets in this country, also - if people paid attention, obesity would be much less of a problem; if people paid attention to the warnings about tobacco, there'd be far less chronic illness from that.

all i'm trying to do is to warn people that they do need to pay attention. and it sure aint a money loser, or else these companies wouldn't offer it.

'nuf said

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

When did this discussion turn about health?

We are talkign about Credit report!

gmakerley · Posted: Fri Sep 11, 2009 11:41 am Post subject:

and it did not turn to health. please read carefully sunny...we are discussing paying attention. i simply pointed out that paying attention to a lot of different things results in different results than otherwise.

which, of course, brings us back to that topic to begin with, doesn't it?

sunnyca2009 · Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)

We go round and round?

gmakerley · Posted: Fri Sep 11, 2009 1:42 pm Post subject:

it's more like a never ending track

newportboc · Joined: 11 Aug 2009 Posts: 14 4.93 Dollars($)

Perhaps sunnyca2009 the way economic crunch has hit us it seems there is some genuine reason to talk about health rather than finance.

Company	Loan Type	APR	Est. Pmt.
				Go
				Go
				Go
				Go
				Go
				Go

Property State:
Property Type:
Credit Rating:

All times are GMT - 7 Hours
1, 2 Next
Page 1 of 2

Compare Mortgage Quotes

Getting all 3 Fico scores online?