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credit report

18 years ago

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.

Comments (5)

steve_o
18 years ago
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
bugg30
Original Author
18 years ago
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?
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Banks used to be entities that could be respected. In the present financial situation many small ones are being gobbled up by the big ones that got us here. They are doing any thing they can get away with to make bucks. Some of the things they do are illegal but get under the radar till a class action contest brings them to light. The commercials you see for credit reports may have very small print disclaimers saying that you are signing up for a daily, weekly or monthly report that will cost on a regular basis. That is why the bad "rock" band is no longer blaring at is. Check to see if there is a fine print agreement to consistently charge for regular credit reports. I think looking for a small local bank or a credit union is the best move to make at this time. Why use the ones that messed up the economy?
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check the link below. You can either contact on line, write, or call them. Sue Here is a link that might be useful: Your Access to Free Credit Reports
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Get your free annual credit reports from https://www.annualcreditreport.com/ But DON'T pay any attention to the credit scores! They are fakos (just a guesstimate and can be off by as much as 100 points!) And yes, you should pull your credit reports from all three bureaus! Click on the links and it will basically walk you through it. Be prepared to answer verification questions about loans, payments and such. If you enter the wrong info, you will have to then get them by mail, possibly. To pull all three credit reports after getting the freebies, you can go with either http://www.truecredit.com for 14.95 per month (you are allowed to update reports every 24hrs and 1min). Another place to get them with your real fico scores are http://www.myfico.com I'm on the free forums there at myfico and absolutely love it!
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Comments (2)
Have you signed up for Opt-Out? It prevents unsolicited credit (and other) solicitations. It does not necessarily mean Capital One won't still read your file, but it could cause them to skip over you. Inquiries don't hurt your ratings, but you're right, it is annoying. Here is a link that might be useful: Opt Out FTC Link
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steve_o
18 years ago
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.
davidandkasie
18 years ago
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
nycefarm_gw
18 years ago
Pulling your own report shouldn't have a negative consequence, but if companies pull it for credit check, that counts against you.

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