(Closed) Has any one used a credit score website before?

posted 6 years ago in Legal
Post # 4
Member
14495 posts
Honey Beekeeper
  • Wedding: June 2011

It is a legit site.  They ask you to sign up for their service you just have to remember to cancel it before the month, it is not a bad service, I can just do it myself.  I prefer to go to the individual credit sites and order the credit report directly.  You get one a year free from each of them.

Post # 5
Member
631 posts
Busy bee
  • Wedding: September 2012

I tried to use that, but you have to pay and enter credit card info and all of that. I think it’s a crock.

You can get a free report from each major credit reporting agency once a year whether or not you have been denied or applied for credit. (TrasUnion, Equifax and Experian, I believe.) What I do is try to get one every four months so I can keep up with my credit report and make sure nothing new is on there. (ETA: Different things will show up on each repoting agencies report also.)

As far as credit score, my Fiance just got denied for a credit card and on the denial letter we received it stated his score so we didn’t have to pay to get it like you normally would. That’s a new one.

Post # 6
Member
14495 posts
Honey Beekeeper
  • Wedding: June 2011

@peachbaby4008: Yes, you should keep track of your credit reports to try to watch for credit fraud.  Anything that you don’t recognize as your debt on there you should file a written grievance immediately.  Also, anything that is more than 7 years old should be gone.  Trick is, if someone contacts you about an old debt (more than 7 years), do not lay claim to the debt or it will start the 7 year clock over.   Don’t say “I paid that”, “I thought I had paid that” “yes that was my bill”, do not lay ownership to the bill at all.  Simply tell them that they are in violation of the fair credit act and any further communication on the subject and you will contact your local attorney general.  If it is on your credit report, write a grievance and copy it to your local attorney generals office. 

Post # 9
Member
14495 posts
Honey Beekeeper
  • Wedding: June 2011

@peachbaby4008:  That is a red flag!  Contact the credit companies to get that staightened out and look carefully over the report to make sure there is nothing fishy.   A 6 year difference is huge.

Post # 10
Member
14495 posts
Honey Beekeeper
  • Wedding: June 2011

@peachbaby4008: only mail stuff directly to the credit companies.  IMO, they should be registered letters (or anything trackable) in a security envelope (so no one can hold it up to the light and see them) and make sure you follow up with them. 

Post # 12
Member
14495 posts
Honey Beekeeper
  • Wedding: June 2011

@peachbaby4008: Perfectly safe, like I said, just make sure you send it trackable.  I want to know that they got the info and who it was signed for by.  I am ubber safe about that stuff.  That is prob where the weird date came from.  Don’t mention it to them, just tell them that the date is wrong and to please correct it.  You should prob check with the other two to make sure the birthdate is correct on those, but it will be worth spending alittle up front to make sure that you have all the correct info.

Post # 14
Member
3692 posts
Sugar bee
  • Wedding: December 2011

Go to annualcreditreport.com.  You get one free report each year from each of the 3 credit reporting agencies.  It is the only true free source for the reports.

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