[Karren_Hutton]

Well finding about FreeCreditReport.com and other sites I did some research and found this site that is sposnered by the three major Credit Reporting Companies...

"This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."

https://www.annualcreditreport.com/cra/index.jsp

I'm going to request one and see how it goes...

[Darla_G]

thanks Karren, i've wanted to do this, now i will wait to see how it goes for you.

[Ricci]

not for Canadians bleh lol

[Karren_Hutton]

And I just got mine !! Easy and slick you can view it right on the screen!!! I printed mine to a PDF file to save.. They will try to sell you your Credit Score Number so just decline.. And you can see all your accounts and who's been inquiring about your credit!! Pretty cool!!

[Darla_G]

Originally Posted by Karren_Hutton

And I just got mine !! Easy and slick you can view it right on the screen!!! I printed mine to a PDF file to save.. They will try to sell you your Credit Score Number so just decline.. And you can see all your accounts and who's been inquiring about your credit!! Pretty cool!!

great now we can add as endorsed by Karren Hutton. what do they need just ssn?

[jones10021]

That's really good to know. thank you. What is a Credit Score anyways? How is it calculated and what does it tell?

[Karren_Hutton]

From what I know the Credit Score is some kind of indicator number that TV Comercials are saying banks use when they review your load applications. The way I see it! If you view your Credit Report and its all ok then your Credit Score is a meaningless number..imho... Probably invented just to be able to charge you for something!! Lol.

I looked it up and About.com defines it as:

It includes payment history (35% of your score), level of debt (30%), length of credit history (15%), number of inquiries to your report (10%), and the types of accounts you have (10%).

Source - http://credit.about.com/b/2007/11/21...alculation.htm

[Karren_Hutton]

Darla... Your ssn... Address... Employers name.. Any credit card number...and or something else... 3 out of 4 verifys your you...

[Darla_G]

Originally Posted by Karren_Hutton

Darla... Your ssn... Address... Employers name.. Any credit card number...and or something else... 3 out of 4 verifys your you...

thank you very much!

[Karren_Hutton]

I sat down and read my report... And it tells you, by company you pay, if you pay your bills ontime.. Your balance, credit limit and highest balance.. But what's really interisting is whom checks your credit report... Anybody you apply for a load of coarse.. But there are a ton of credit card companys that chec it on a monthly basis!! American Express and capital One are bigges!! Seing if your credit worthy before they send you that crap in the mail!! Lol

[jmgjmg623]

That's what I mentioned in the other thread.