Credit Report

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I was wondering how can I get a free crdit report. I go online and they want to charge you. I wan a free one. I dont have any creit cards and I need to check out my credit. Can someone tell me a web site that give free credit reports. Also how can I fix my credit? I have stuff on there thats been paid, how can I get those off and the ones when people or companies check your credit. In my old one I dont know have them companies that checked my credit. Please let me know

Best Answer

The following website is the place to go and get your FREE credit report, keep in mind that this is just your credit report, NOT your credit score. This is FREE, you do not need to enter credit card information etc. annualcreditreport.com is where you you can obtain your government mandated free credit report (one from each of the 3 agencies per year), you have the option to get your credit report via snail mail or electronically via this method. you will have to disclose your social security number, date of birth and other info to verify your identity If you are worried about the security of you info on line, don't be the site is secure encrypting your information before sending it over the web so it can not be read by others. More information on how they guard and secure your information is located on their website any other website or offer of an free credit report more often than not has strings attached such as purchasing credit monitoring etc.. and are not truly free. also in your report that you will recive they will tell you how to dispute any incorrect information that may be in your report -good luck CS

I am trying to find a free credit report that is FREE!!!!!!!!!!!!!! I have no credit card so is there anyway to get a free report without paying? I know even though it`s says free it`s not FREE!!!!! I am sick of being asked for a credit card number my god isn`t anything FREE!!!! Pretty soon they will start charging you for the air you breath. I need a credit report now can`t get credit anywhere cant even buy a stick of gum on credit.

Best Answer

Go to http://www.annualcreditreport.com This is the government mandated site where you can get TOTALLY FREE credit report from the 3 credit agencies once per year. They will not even ask for your credit card number because it is really free. Unlike sites such as freecreditreport.com which asks for your credit card and only give you "free credit report" if you sign up for their credit monitoring system

Is there any disadvantage of checking your credit report ? Will this info be visible to banks that you requested your credit report ?

Best Answer

hi, i just turned 18 yesterday on the 26, n a couple of mins ago i decided to check my credit because i know i have a couple things on my credit report because i have a dell computer in my name that i am payin off each month... i was viewin my credit report n the first thing i noticed was my name then they said im also known as a name shiesha mit*** which is my middle name!!! then i was lookin at my report n it says that i am 2,000 in somethin in creditor back pay or wat ever.... thats not me... so how is that on my credit report... i would like to know wat can i do to clear actions thats not mines on my credit report??? WHO do i talk to??? where can i go?? well im in the Bay area, ca n i need to know what to do?? oohh yea i got my credit report from freecreditreports.com!!!!!!!!!!!!!!! HELP ME PLZ I WONT TO BUY A CELL FONE IN MY NAME N A CAR?????!!!!!!!

Best Answer

It sounds like you have a mixed file with someone else. Since you used freecreditreports.com (Experian) you can dispute the errors through Experian. Did you order a 3 in 1 report or just a single Experian report ? If you ordered a 3 in 1, you will only be able to dispute the Experian report and not the other 2. If you want to dispute the other 2, you have order a report directly from the other 2 bureaus. Why ? Because they require you to have a report number and each of the bureaus provides their own report numbers. If you did not order a 3 in 1 - follow these steps... 1. Contact Experian and dispute everything including any addresses that are not yours and tell them you may have a mixed file with someone else who has a similar name or similar spelling. 2. Go to https://www.annualcreditreport.com/cra/ index.jsp You will need to order a Transunion and Equifax credit report from that site. It's free because you are entitled to 1 free credit report a year from that site. 3. After you have the Transunion and Equifax report, dispute everything that is not yours including addresses. Call the bureaus and let them know that you may have a mixed file and it needs to be corrected. The dispute process cannot take more than 30 days and you should have a new report within a month. You should get into the habit of checking your reports once a year for accuracy. And if you have a security concern (id theft), ask the bureaus what steps you can take to reduce the risk. Good luck !

i need help 8 years ago my boyfrinds mother got a computer on finance in his name now he did sign for it but on the trems his mother paid back the loan she had bad credit and they wouldnt give it to her but beening his mother he trusted her and she did pay for it but not every mounth i sent for his credit report latley and there missed payments ,in arrers theres a w which means written off we never got any staments because he had moved in with me and the bank statments were going to hie mothers the thing is we now want to get a 100% mortgage and we cant get one i want to know is there any way of getting it removed i live in ireland i thught bad credit can only stay a number of years on your report sorry about the bad spelling the loan is paid off it has a w=element written off it says the balance is o.oo

Best Answer

letter of deletion...sometimes you can get a letter of deletion and the account will be taken off at the bureau level. you might have to pay the debt but if you get that letter you can do a 24 hour rapid re score through a local credit service company your loan officer should be able to do the leg work...don't give up if they say no...hang up and try again hopefully another person will answer. good luck it can be done...just takes some negotiation.