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Kaka 03-06-2014 11:04 AM

Credit
 
Is there a legit website where I can check my credit score?

I was thinking on calling Consolidate credit to see if I can fix my credit, is it a good idea?

Any advice will be appreciated.

robgusc76 03-06-2014 11:07 AM

Re: Credit
 
Quote:

Originally Posted by Kaka (Post 4106090)
Is there a legit website where I can check my credit score?

I was thinking on calling Consolidate credit to see if I can fix my credit, is it a good idea?

Any advice will be appreciated.

CreditKarma.com. I use it and have never had any trouble with it. It even emails you when one of the payments they have on record is due and emails you if there is a change in your credit score.

The Yancey 03-06-2014 11:18 AM

Re: Credit
 
You can get your reports every year from the big 3 reporting agencies free. http://www.consumer.ftc.gov/articles...credit-reports. Only time and good credit management will fix your credit.

Kaka 03-06-2014 12:05 PM

Re: Credit
 
How much do I pay on those websites?

Anyone think Consolidated is a good idea?

The Yancey 03-06-2014 12:07 PM

Re: Credit
 
Anything you pay for is a scam. The government mandates that those are to be provided FREE yearly.

snruter amabon 03-06-2014 12:09 PM

Re: Credit
 
Quote:

Originally Posted by Kaka (Post 4106131)
How much do I pay on those websites?

Anyone think Consolidated is a good idea?

Credit Karma is truly free, but only uses one of the three reports.

As was stated above, only time can heal your wounds. Sometimes the inability to get credit is the best thing for some people. I know it was for me. How recently did you get into credit trouble?

Spur's Addiction 03-06-2014 12:14 PM

Re: Credit
 
Quote:

Originally Posted by The Yancey (Post 4106134)
Anything you pay for is a scam. The government mandates that those are to be provided FREE yearly.

You can get your credit Reports for free but that does not include your credit score. I have not found a way to get the actual credit score (number) for free.

snruter amabon 03-06-2014 12:15 PM

Re: Credit
 
Quote:

Originally Posted by Spur's Addiction (Post 4106143)
You can get your credit Reports for free but that does not include your credit score. I have not found a way to get the actual credit score (number) for free.

Credit Karma, seriously look it up. Free score.

usc_yogi 03-06-2014 12:18 PM

Re: Credit
 
I would advise against the Consolidate Credit unless you are just in a real financial mess and have racked up tons of debt that you can't pay for. You will end up paying the Consolidate Credit back more in the long run.

Get your free credit reports and see where the issues are and what can be fixed by calling the companies that you had credit issues with. It will take time and financial responsibility to build your credit back up. You can't miss payments or even be late on payments. Try not to take out any further credit if you can unless it is necessary for life.

There are plenty of places online that will show you how to build credit over time. As Yancey stated, get a report from one of the big three reporting agencies.

usc90grad 03-06-2014 12:21 PM

Re: Credit
 
If you have applied for a loan recently and they pulled your credit score, you can request a copy of it from them.

Also if you live in SC, you're entitled to free credit monitoring due to the SC taxpayer database hack last year.

The Yancey 03-06-2014 12:21 PM

Re: Credit
 
Quote:

Originally Posted by Spur's Addiction (Post 4106143)
You can get your credit Reports for free but that does not include your credit score. I have not found a way to get the actual credit score (number) for free.

My Discover card now provides a running update of my credit score.

ScottK 03-06-2014 01:03 PM

Re: Credit
 
I think that all of the "fix your credit" companies work for the credit card companies.

snruter amabon 03-06-2014 01:11 PM

Re: Credit
 
Quote:

Originally Posted by ScottK (Post 4106187)
I think that all of the "fix your credit" companies work for the credit card companies.

I have known people who have used them. Turns out they hurt your credit more than if you don't use them at all. Kind of like the same sentence as bankruptcy.

As one who went through it before (Got stung back in 2002), I can tell you that time is the best option. If you can afford to pay some of these off over time I highly recommend it as it shortens the duration, but my best advice is to keep an eye on your credit report, if you pay something off make sure they drop off the report. Things like liens tend to hang around even after you have paid them off. After a while get a low limit credit card, even if you have to pay a yearly fee and pay that payment on time every time. It usually takes a couple before you are getting better.

Car loans are really easy these days. If you need a car, get one if you can afford it & pay the payments on time every time & even try to pay off the loan early. This will definitely help your standing.

Regalcock 03-06-2014 01:22 PM

Re: Credit
 
F-r-e-e that spells free...credit report.com baby.


Sorry, that was a catchy tune. I have also been told that having your score checked actually does hurt your score a little also.

GamecockMomSC 03-06-2014 01:38 PM

Re: Credit
 
A free credit report does not include your FICO score. The three major reporting companies may have different information in your reports and have different methods of calculating/score ranges, so you have 3 different credit scores that vary widely. I've found myfico.com to be the most reliable. You can pay $19.95 for one score and report, or you can get all three. If you are looking to borrow money soon, find out which company your lender pulls from and check that score. Checking your own score does not affect your credit. There are usually good promo codes on the net every few months that make myfico.com really affordable.

http://www.myfico.com/Products/Products.aspx


You can also visit some of the credit reporting companies directly and get your score, like transunion.com, but I've heard the score they give you is some composite score and not the real FICO score that lenders use.

ColaCock 03-06-2014 01:42 PM

Re: Credit
 
Easiest way to repair credit is:

1. Pay off anyone you owe that has been reporting on your credit for 5 or less years. Whether it is a payment plan or whatever.
2. Pay your bills on time.
3. Dispute every negative instance on your credit report 3 times a year.
4. Don't close any accounts.
5. Give it time.
6. Eventually obtain a credit card and use it to replace the money you DO HAVE not the money you don't!

Kaka 03-06-2014 01:42 PM

Re: Credit
 
Thanks for the info.

I messed up my credit when I was younger, made some dumb decisions but is time to fix everything.

snruter amabon 03-06-2014 01:42 PM

Re: Credit
 
Quote:

Originally Posted by Regalcock (Post 4106197)
F-r-e-e that spells free...credit report.com baby.


Sorry, that was a catchy tune. I have also been told that having your score checked actually does hurt your score a little also.

It depends who checks it. For example, when a car dealer checks your credit it used to be many many hits on your report, these days it is one hit. Now if you have a dealer hit it in March & then go back in May it is another hit. When you check your own credit it doesn't hurt you.

snruter amabon 03-06-2014 01:50 PM

Re: Credit
 
Quote:

Originally Posted by Kaka (Post 4106213)
Thanks for the info.

I messed up my credit when I was younger, made some dumb decisions but is time to fix everything.

How long ago. This is an important question. Generally bad debt, credit report issues drop off in 7 years.......... but be careful because predatory collection agencies have found ways to even report after this time so be mindful of that & dispute it.

CCC 03-06-2014 01:58 PM

Re: Credit
 
When you run the free annual reports, they all include the month/year that a particular item is scheduled to drop off your report.


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