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Old 03-06-2014, 11:04 AM   #1
Kaka
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Default 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.
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Old 03-06-2014, 11:07 AM   #2
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Default Re: Credit

Quote:
Originally Posted by Kaka View Post
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.
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Old 03-06-2014, 11:18 AM   #3
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Default 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.
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Old 03-06-2014, 12:05 PM   #4
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Default Re: Credit

How much do I pay on those websites?

Anyone think Consolidated is a good idea?
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Old 03-06-2014, 12:07 PM   #5
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Default Re: Credit

Anything you pay for is a scam. The government mandates that those are to be provided FREE yearly.
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Old 03-06-2014, 12:09 PM   #6
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Default Re: Credit

Quote:
Originally Posted by Kaka View Post
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?
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Old 03-06-2014, 12:14 PM   #7
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Default Re: Credit

Quote:
Originally Posted by The Yancey View Post
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.
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Old 03-06-2014, 12:15 PM   #8
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Default Re: Credit

Quote:
Originally Posted by Spur's Addiction View Post
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.
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Old 03-06-2014, 12:18 PM   #9
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Default 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.
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Old 03-06-2014, 12:21 PM   #10
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Default 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.
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Old 03-06-2014, 12:21 PM   #11
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Default Re: Credit

Quote:
Originally Posted by Spur's Addiction View Post
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.
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Old 03-06-2014, 01:03 PM   #12
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Default Re: Credit

I think that all of the "fix your credit" companies work for the credit card companies.
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Old 03-06-2014, 01:11 PM   #13
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Default Re: Credit

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Originally Posted by ScottK View Post
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.
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Old 03-06-2014, 01:22 PM   #14
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Default 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.
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Old 03-06-2014, 01:38 PM   #15
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Default 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.
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Old 03-06-2014, 01:42 PM   #16
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Default 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!
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Old 03-06-2014, 01:42 PM   #17
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Default 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.
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Old 03-06-2014, 01:42 PM   #18
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Default Re: Credit

Quote:
Originally Posted by Regalcock View Post
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.
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Old 03-06-2014, 01:50 PM   #19
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Default Re: Credit

Quote:
Originally Posted by Kaka View Post
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.
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Old 03-06-2014, 01:58 PM   #20
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Default 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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