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erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

I think all of you right. I do not believe that checking your own credit situation is something that is held against you. I have not read anywhere that this is the case. I have never seen my credit score/rating lower because I have pulled my score. Just my thoughts here.

jbarto65 · Joined: 04 Nov 2007 Posts: 622 -0.15 Dollars($)

I don't think it would lower it either, I think if it did it would discourage people from ever checking if they thought they were going to lower their score if they did.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

I have my doubts that they will lower your score because you check your credit. I am thinking that it is for the hard inquiries only.

Posted: Thu Jun 12, 2008 2:57 pm Post subject:

Agreed.

fireyone_02 · Joined: 20 Mar 2008 Posts: 280 2.09 Dollars($)

I agree. They have where you can pay one price and look at your score as many times a year as you want. I doubt places like equifax and the others would offer this if you were penalized everytime you looked.

jbarto65 · Joined: 04 Nov 2007 Posts: 622 -0.15 Dollars($)

right, but I am not sure how many times you can look at it if you pay for it, I know if you get the free report it is only available for thirty days.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

Thirty days is the max for the freebies but you can look at them as much as you would like to if you are paying for it.

jbarto65 · Joined: 04 Nov 2007 Posts: 622 -0.15 Dollars($)

Have you purchased your score? How do you know this is the case?

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

I have purchased my score and paid a small monthly monitoring fee, it was part of the package. you can access these services right on the credit reporting agencies, they all have reputable companies on their website that you can pay the monthly fee to and have access to your score when you want it.

jbarto65 · Joined: 04 Nov 2007 Posts: 622 -0.15 Dollars($)

How long did you continue to be part of the program that let you monitor your score and was the monthly fee a lot? I would assume that since they are on the credit reporting agency pages that they are trustworthy right.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

For about six months is all it took, you pay a small fee a month and you can monitor, pull your score and your credit report.

jbarto65 · Joined: 04 Nov 2007 Posts: 622 -0.15 Dollars($)

I will go back to the pages and see what is available. Maybe I will try one of them for six months, have to see what their fees are, you did not mention how much it cost.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

There are different plans depending on what you want to do, you can get the very basic plan that just give you access to your credit report onto the a larger plan that runs around $20 a month, which you can get more services and then they get bigger and bigger, depending on what services you actually want. you would have to go there and check it out.

fireyone_02 · Joined: 20 Mar 2008 Posts: 280 2.09 Dollars($)

That sounds like a pretty good plan. I see their are starting to be numerous companies popping uo to offer services like these. It is a little scary for a couple reasons. 1. That the world of scammers have become so large that you need a service like this and 2. Making sure you don't hire a bogus company who will use your information wrongly. the credit bureau ones would be less risky.

Guest

We JUST finished our bankruptcy. We have zero debt and pay our bills on time. We have stable jobs and make a decent income. Will we be able to get a good mortgage rate? Will we be accepted for a mortgage? Except for the bankruptcy, we are squeaky clean financially.

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