Credit Report

[marksiwel]

Anyone know of a way for me to get my hands on my Credit Report? I want to make sure that
1. I still have a good Credit Rating
2. No one opened up a Credit card in my name
3. I'm just curious.

Is there a way to do this without buying anything? Can I go to a bank or a credit union?

[s197winstang]

you are entitled to 1 free credit report a year. do an internet search for free annual credit report. I do it annually.

[s197winstang]

https://www.annualcreditreport.com/cra/index.jsp" onclick="window.open(this.href);return false;

[gigag04]

I use identity guard. For $15/mo you get access to all 3 reports and all 3 scores. It is updated quarterly but the alerts you get real time. That said...I'm looking at cancelling it because my account has had an error that screws with the reports, but other people have liked it.

[samobius]

Anytime I want my credit report, I always sign up with one of the numerous credit agencies like freecreditreport.com. It's a monthly service but they have a 30 day cancellation policy. So I usually cancel within the first week.

[UpTheIrons]

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

This is the link to use. Easy, easy, easy. Since there are 3 agencies, you could realistically get a report every 4 months, and it is free each time. Just make sure you have the rotation right.

[flb_78]

I have a credit score of ZERO. I don't use credit anymore. 2.5 years ago my rating was 810. The only thing I'll borrow on from now on will be a house.

Even with a credit score of ZERO, I was approved for a traditional mortgage 2 weeks ago. Now I gotta find the house.

Credit scores are bogus and keep people in debt.

http://www.daveramsey.com" onclick="window.open(this.href);return false;

[samobius]

I have a credit score of ZERO. I don't use credit anymore. 2.5 years ago my rating was 810. The only thing I'll borrow on from now on will be a house.

Even with a credit score of ZERO, I was approved for a traditional mortgage 2 weeks ago. Now I gotta find the house.

Credit scores are bogus and keep people in debt.

http://www.daveramsey.com" onclick="window.open(this.href);return false;

Debt is not always such a bad thing. I have $2000 in unsecured credit card debt because I have 0% interest on it. At the rate that it is being paid off I'll have it paid off 1 month before the terms come due. In the meantime the money I would have used to pay it completely off is invested, and the credit card company is taking the 3-4% inflation hit on the balance.

[cougartex]

Thanks for the link. I ordered mine today.

[TxRVer]

I have a credit score of ZERO. I don't use credit anymore. 2.5 years ago my rating was 810. The only thing I'll borrow on from now on will be a house.

Even with a credit score of ZERO, I was approved for a traditional mortgage 2 weeks ago. Now I gotta find the house.

Credit scores are bogus and keep people in debt.

http://www.daveramsey.com" onclick="window.open(this.href);return false;

You must be mistaken. Credit scores range from 300 to 850. It couldn't go down to 0. If you had a credit score of 810 I'm sure it's still very high and that's the reason you qualified for a mortgage. I don't understand how a credit score can keep someone in debt.

[apostate]

I have a credit score of ZERO. I don't use credit anymore. 2.5 years ago my rating was 810. The only thing I'll borrow on from now on will be a house.

Mine is π + 3i

Credit scores are bogus and keep people in debt.

About as bogus as bond ratings.

[UpTheIrons]

I don't understand how a credit score can keep someone in debt.

The formula used to calculate your score is based solely on how much debt you have, and how you manage it. The FICO score has nothing to do with how much money you make or how much you have in the bank. The only way to improve your score, really, is to take on new debt and keep paying it off, then take on more debt. The sole purpose of a credit score is to rate how one uses debt. Therefore, if you want to keep the FICO people (and your score) happy, you must stay in debt in some form or another to keep your score up.

See the info here:
http://www.myfico.com/CreditEducation/W ... Score.aspx" onclick="window.open(this.href);return false;

35% - Payment history
30% - Amount owed
15% - Length of credit history
10% - New Credit
10% - Type of credit

[UpTheIrons]

Debt is not always such a bad thing. I have $2000 in unsecured credit card debt because I have 0% interest on it. At the rate that it is being paid off I'll have it paid off 1 month before the terms come due. In the meantime the money I would have used to pay it completely off is invested, and the credit card company is taking the 3-4% inflation hit on the balance.

Then you are more judicious than 93% of the people who take out these types of loans. I did the same thing about 2 years ago, but I paid mine off 6 months early. I'll never do it again. There's just something liberating about paying cash for something these days.

BTW, the credit card company isn't taking the inflation hit of 3-4%. The other 93% of the people who didn't pay it off on time and got zapped with the 25% interest rate (or whatever they want to charge these days) are taking the hit for the CC company. Not that those folks didn't see it coming when they signed up for it - but don't think the CC company ever takes a hit on these things. They always pass it on to the "consumer".

[flb_78]

I have a credit score of ZERO. I don't use credit anymore. 2.5 years ago my rating was 810. The only thing I'll borrow on from now on will be a house.

Even with a credit score of ZERO, I was approved for a traditional mortgage 2 weeks ago. Now I gotta find the house.

Credit scores are bogus and keep people in debt.

http://www.daveramsey.com" onclick="window.open(this.href);return false;

You must be mistaken. Credit scores range from 300 to 850. It couldn't go down to 0. If you had a credit score of 810 I'm sure it's still very high and that's the reason you qualified for a mortgage. I don't understand how a credit score can keep someone in debt.

You may be right that credit scores start at 300, so saying my score is ZERO may be an incorrect statement. I should say that I have no credit score, none, nada, zip. They only go back 2.5 years and since it's been longer then 2.5 years since I've used credit, I have no credit score. Instead, I have a bank account with money in it.