Checking My Credit Score
What does this mean for me?
Help with Credit Repair
- Late Payments
- Bankruptcy
- Divorce
- Charge Offs
- Foreclosure
- Liens and Judgments
- Repossessions
- Identity Theft
Credit Related Questions
- How does it work?
- How much does it cost?
- How long does it take?
- Are payment plans available?
- How can credit be repaired?
- Why is everything to be mailed?
- How do I get updates?
- Who do I contact?
- Require I send the updated reports?
- Do I need a current credit report?
- Does paying bills restore my credit?
Credit Repair Myths
Checking My Credit Score
Choose Carefully
Do you want to order your credit report from the commercials singing those Grammy award winnings songs? Credit Repair results will depend on the accuracy of your report. You may want to use the reports directly from Transunion, Experian and Equifax. If you go to the FREE online sources for credit reports you will soon find out it is a bait and switch technique to charge you monthly for your scores. The irony of this supposed free service is it doesn’t give you accurate information. I can’t express to you the level of deceptive tactics these companies are using.
The Right Source
MyFico.com is your trusted source for a credit report for many reasons. The scores are modeled after the Fair Isaac model. Before you pull your credit elsewhere make sure you are getting the right model of data or it may be useless for credit repair as well as lending or leasing.
Scoreless
Transunion, Experian and Equifax will provide you a free credit report but it won’t have scores. For credit repair purposes this is adequate because we, as credit repair professionals, are working on the information on the report that hurts your score. Simply put; remove the information from the report and the scores will reflect.
It is your Report
It is said that lenders are not supposed to provide copies of reports to their consumers. This is just a tactic to prevent more work or involvement from the lenders or financial institutions. The credit report provider has it in the contract language that they are not to furnish the reports to you as a consumer. However, the Fair Credit Reporting Act includes a clause that allows you to have your report. If you have had a Tri-Merge credit report pulled lately tell them you want a copy, tell them it is your right.