Credit reports free Mississippi

According to the Motley Fool site ( http://www.fool.com/ccc/check/check02.htm?terms=credit+score&vstest=search_042607_linkdefault ) there are five things that make up your credit score. Past payment history (35%), Amounts currently owed (30%), how long youve been using credit (30%), how much credit youve applied for recently (10%) and finally whether you have a large proportion of your credit on unsecured loans (10%). I used the free annual credit report service online. They allow you to access the BIG 3 credit bureaus and obtain a report. I agree there was some unnecessary red tape that you had to credit reports free Mississippi go through to complete the process, but I was not disappointed in the credit reports free Mississippi end results of the transaction.

The most valuable lesson I learned from receiving the credit scores was finding out how each company differed in their ratings and data credit reports free Mississippi they had listed regarding my payment history. For instance, Equifax had details of a charge off from many years ago that I thought my ex husband paid off after we were divorced.

Also, I credit reports free Mississippi had a little bit of fun going through their verification process and selecting specific information that related to me or did NOT relate to me. They ask credit reports free Mississippi you questions about addresses and purchases in your past and you have to identify what seems familiar, and you have to answer by way of multiple choice. how to free credit report After you have requested your credit report, be prepared to be contacted by any past creditors that you owe money to . Credit report inquiries do show up in your credit history along with the information you submitted, such as your most recent address and phone number, and the place you applied for credit, if applicable.

After I received my information, I discovered invalid information on my credit history. I filed a dispute regarding a purchase from credit reports free Mississippi a mail order company that I did not make.

The balance due had been turned over to a collection agency. After credit reports free Mississippi I ran my report, I received a letter in my mailbox indicating they wanted to settle the account. It took me three months to get this false information cleared up. If you are trying to hide from your creditors, I dont credit reports free Mississippi recommend drawing the extra attention to yourself. get your credit report If you are curious about what may be lurking on your credit report, such credit reports free Mississippi as false information, I urge you to go now and get your report. The title of the post would be more accurate if it had said how to get your credit report (not score) for free. But that doesnt detract from the gist of the message: Get your darned credit report every year and check credit reports free Mississippi it over. I used annualcreditreport and was a bit disappointed with their service. They make you believe you will get all your report from each of the three CRAs. I could getonly 2 online and had to snail mail for the third. The one I had to snail mail said some discrepancy popped up and it wouldnt let me proceed.

This, as it turns out, is a valuable point to put on the table. Since the 3 CRAs are competitors, what is on one report may not be on credit reports free Mississippi the other two. I dont intend to beat the CRAs to death but according to estimates, 80% of their records contain at least three errors.

BTW, if you want to know your credit score for free, apply for a loan. In most states the requesting agency (lender) has to tell you your score.

You are not obligated to apply after you credit reports free Mississippi know your score. Some lenders charge a credit reports free Mississippi credit report fee so shop around for one that doesnt. free credit report government website There is another site credit reports free Mississippi where you can find your free credit report online. Here you can get information about how to understand your credit report. It is better to have multiple credit reports to remove errors. When you credit reports free Mississippi check your credit score it may happen that you may find some negative remarks. This could be either because the credit report is not correct or you have thought that you never did late payments credit reports free Mississippi when in fact you might have done.