credit report

bugg30December 6, 2005

Hi, I have been working hard at repairing my credit from some late payments on credit cards. I also want to buy a house next year. I have never checked out my credit report and want to check to see what my score is. However, I want to compare the score now and compare it to a year from now when I am ready to buy a house. If I pull my report now and then a little under a year from now does checking it twice in a year go against my score?? Is there a way to check it but avoid any negative marks?? Thanks.

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Since you live in Minnesota, you are entitled to one free copy of your credit report each year. You will not be charged or nicked on your credit score for this. Look at the link below.

This applies to other states and eventually will apply to every U.S. state.

Here is a link that might be useful: Link to free credit reports

    Bookmark   December 7, 2005 at 8:24AM
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Thanks for the info Steve. If I pull my credit report now and then again in 8 months or so, will that second time have a negative affect on my credit?

    Bookmark   December 7, 2005 at 8:27PM
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You're welcome. I'm not a credit counselor, so I'm not the expert here. But if you're working to "repair your credit," I think creditors will have bigger concerns than whether you pulled two copies of your credit report within one year. I wouldn't sweat that part of it.

    Bookmark   December 7, 2005 at 11:09PM
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if YOU pull your credit it does not count against you. If you apply for a credit card or a loan and THEY pull it, then it does count against you, though only slightly.

your free credit reports do not give you the credit score, they list everything on your credit except the score. you have to pay about 9 bucks or so for the score.

the link below is for access to your report from all 3 agencies. you can pull all 3 now, or 1 at a time over the next year. you are only allowed 1 report from each agency per year.

Here is a link that might be useful: Free credit reports with no card required

    Bookmark   December 8, 2005 at 1:48PM
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Pulling your own report shouldn't have a negative consequence, but if companies pull it for credit check, that counts against you.

    Bookmark   December 8, 2005 at 1:50PM
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