I’ve already had my free annual credit report. Where is the cheapest and best place to get it?
by admin ~ January 2nd, 2007 . Filed under: Credit .
thewaytomarket asked:
Transunion, experian, and equifax, I am meeting with my credit counselor for the first time today. Websites welcome!
Johnny Wollschlager
Transunion, experian, and equifax, I am meeting with my credit counselor for the first time today. Websites welcome!
Johnny Wollschlager
January 3rd, 2007 at 7:13 am
Don’t use these commercial sites. They’ll make you sign up for fee based services. The law allows you to access your credit files free, once per year. Go through the Federal Trade Commissions website. You’ll create an ID in all three bureaus to use again next year.
And it REALLY is free.
January 3rd, 2007 at 5:09 pm
Do not go to a credit counclor unless you have to BAD IDEA!
Go to a bank and ask to pay for a complete report. about $15.
If you are a home owner, and you have equity in your home, then get refianced first.
Lenders see credit councling the same as chapter 13. They will take thier fees first before your debt is applaied and will not make your payments on time. As a rule of thumb scores drop 75-100 points the second to you to a counclor.
January 6th, 2007 at 9:19 am
A basic credit report is usually $9-$10, doesnt matter who the company is.If you want your score, you’ll pay a little more. I don’t think you can get it much cheaper.