Where is the best place to get a Credit Report? Doesn't have to be free.

[kantonburg]

They are about $10 anyway so it's no biggie. My girlfriend needs to get one, she was denied a credit card and it gave deliquent reasons and she's never been late on any payment.


Also someone posted a link awhile back that showed you how to read the credit report in basic terms. Anyone remember that?

 

[bcterps]

Qspace

I used them to get a credit report. I had trouble viewing it online though so they sent me a printed copy.

--Ben

 

[kranky]

Check here and click "Credit Report" at the top. There's links on how to read your credit report and how to get copies of them.

Chances are if she was denied credit, the letter she received will say which credit bureau they used and probably how to get a free copy (because she got declined).

 

[Frenchie]

Try Equifax. Credit reporting agencies are allowed to charge up to $8.50 for a credit report. It must be provided free if u were denied credit in the last 60 days based on your credit report, or if you live in one of a few states.

 

[kantonburg]

Thanks Kranky and others. I think this might be what I need.

Well she applied for a Capital One card awhile back and received a letter saying she had deliquent credit, mentioned above. Anyway we are going to get one even if we have to pay. No biggie. Now I'm looking for a nice article on how to read the thing. Also the big question is if there really is a problem how do you go about and fix it? I'll be honest I've never had to deal with this stuff before. I have good credit and I'm hoping she does too for our sake.

Thanks for any info.

 

[Frenchie]

When u get the copy of the credit report it should (at least the one from Equifax does) contain your rights under the FCRA. There will also be a page to fill out for disputing certain notes on the credit report. Once the agency has received the dispute, they notify the creditor of the dispute. The creditor then has 30 days to verify the debt. If they fail to do so or fail to provide sufficient verification, the disputed reference will be removed. If they fail to remove it, you can sue to have it removed (and for damages) under the FCRA.

 

[Wedesdo]

the top 3 comanpies are

equifax, experian, and transunion

If you live in CO, GA, and 2 other states, they're free.

 

[Yo Ma Ma]

Check the rejection letter, it should provide information on how to obtain a free credit report since she was turned down. (Unless that is a state and not a federal law?)

 

[shifrbv]

My experience when I got turned down for credit was with Trans Union. I just called their 800 number and entered my information via their automated system and received my report in about a week.

Watch out for these companies. When I got my report, I found out why I was denied credit. There were a couple of delinquencies and one judgement on my record which weren't even mine. I had to dispute them to get them taken off. It was a long process and almost cost me getting a home loan which sucked.

 

[kantonburg]

Well I found out that 2 years ago she had an Ammaco card stolen in the mail and someone racked up several hundred dollars on it in her name. She did all the credit union stuff but I still feel that is what the biggest problem is going to be. She sent off the last affidavid (sp?) 2 years ago but hasn't heard anything from our University's credit union since.

 

[ArkAoss]

uh there is www.freecreditreport.com, from equifax, just hafta sign up for a subscription, dang im depressed tonight