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Getting Your Free Credit Report

Why Do I need My Credit Report? 

Getting Your Free Credit Report
Image from https://www.consumer.ftc.gov/articles/0155-free-credit-reports
The end goal of this blog is to help you repair your credit, and do so  quickly. While tips and tricks to help it move along faster will be given, you as the consumer will definitely be needing to do a bit of legwork to accomplish this task. You will need the information provided on your credit report before we can go any further. There are a few different ways to go about getting your credit reports.

There are several websites on the internet where you can request a free credit report once a year. Some websites will not let you access your report unless you provide billing information. Do not be tricked by the websites that offer you a free trial, only to turn around and charge you $20 a month. According to federal law, you as a consumer are entitled to a free report once a year.

A few of the free websites are:

www.annualcreditreport.com
www.creditkarma.com 
www.quizzle.com
www.freecreditreport.com

There are three main credit reporting agencies. Experian, Equifax and the TransUnion. One downside to using some of these websites is that the reports they provide you will only be from one of the three credit reporting agencies. You will want a full report from each of the agencies because sometimes they have different information contained in them.

One way to do this is to figure out which agency s report is furnished by which website. You can then register for the different websites and try to acquire all 3 reports that way.

You can also go to the credit reporting agency s website and request your annual credit report directly from them. You might have to pay a little bit for this option, though.

wwvv.experlan.com
www.equifax.com
wwvv.transunion.com

Needed Information 

You will need to have access to certain information no matter which option you choose to go with to request and receive your credit reports. Some of this information is easy, such as your name, social security number, and birth-date. The system might also ask to know the amount you pay for your mortgage payment, the make of a car you have owned, or for a list of previous addresses. This information might be a little harder to remember or seem unimportant, but it is necessary to verify your identity.

The reporting agency is just trying to ensure they are providing you with the correct information.
Sometimes, the agency is unable to properly ensure your identity through online means. They will request you to send forms of identity verification through the mail and once they are sure you are who you say you are, they will mail your reports to you. This can be frustrating, but they are just trying to make sure that they are giving your information only to you, and not an identity thief.

Whatever avenue you pursue, just request your reports, print them out or wait by the mailbox and in the now we will learn how to decipher what they mean.


Understanding Your Credit Report 

To determine what exactly is causing the issues with your credit scores, you need to be able to read your report and understand what it is  telling you. Right now, you are probably looking at these papers, thinking  you are more likely to understand ancient Egyptian hieroglyphics than all
of this information. Whilst it can be confusing, I promise you I am going to
help you understand it.

There are four sections to a credit report, and they all contain  different but equally important information. Remember, FICO and  Vantage use this information to determine your credit score, so it is vital  for you to make sure the material contained in your credit report is as  accurate as possible.


Personal Information 

This area is pretty self-explanatory, but there can be inaccuracies in the data contained in this section. This material is supplied to the credit reporting agencies from any lender who runs a credit check on your information.

In the personal information section of your report you will find:

  • your full name and any other names you may have gone by in the past, including your maiden name. 
  • your current address, and addresses where you have lived in the last  several years. the name of your current employer, what your job task is, and how long you have been employed there; as well as information from your  previous employers 
  • the report will also list the dates when all this information was  provided 

You will need to pay close attention to this portion of your report. It is not uncommon for your name to be spelled incorrectly, or for your maiden name to still be listed instead of your married name (if you have one). Maybe there is someone who has a name very similar to yours, and it might be listed here. If the birth-date is wrong, this will also present an issue as it is clearly not your personally identifiable information. Double check the addresses, and employer information to ensure they are correct as well.

Unfortunately, sometimes you will discover more than just a misspelling or a typo on a date here. You could also find that someone else  has been using your information to accrue credit and debt. This is a huge  problem and needs to be fixed immediately.

If you do discover erroneous data, like the misspelling of a name or that someone else is using your information; you need to take care of this immediately. For the report that has the incorrect things, you can log onto the website of the specific credit reporting agencies to let them know there are errors. To correct these problems, you may be required to send them information proving you are who you say you are. This might include copies of your driver's license and a utility bill. If someone has stolen your identity and is using your information, the credit reporting agency may place a fraud alert on your report and freeze it so that no one can access it until the problem is taken care of.

Credit History 

In this section of your credit report, you will find listed all the accounts you have in your name. They will be separated into different sections depending on the information they provide in the report.
In each section will be listed the pertinent information for each account. If any of your debt has been given to a collection agency (because you defaulted on paying it), the information about that will be included in this section, too. You will also find information about:

  • The original and current balance of your accounts 
  • Whether your accounts are open/closed/or charged off 
  • Type of account, revolving or installment 
  • Your credit limit 
  • Your payment status 
  • If the account is an individual or shared responsibility account 
  • Past due information 

There will be a section listing all your adverse accounts and potentially negative items. These accounts are the ones that have a negative impact on your credit score. In this section, the accounts listed will be ones that have been reported by the lender as unpaid, or paid after their due date during the timeline of the credit account. Even if you are currently up to date on all your accounts, those payments you might have missed last year or whenever can come back to haunt you here. If you can prove that this information is wrong, you have the ability to dispute it with the credit reporting agencies which we will discuss in a later chapter. After 7 years, your adverse accounts typically fall off your credit report.

There will also be a section for your accounts that are in good standing. This will list all of your accounts that you have been faithful in paying on time. This is the information that will positively impact your credit score.

In the Payment Status section of each creditor's report, you will find  information regarding the status of your account. It could say paid in full, or closed, or charged off. If your account has been charged off what this means is that basically the lender has given up on you paying what you owe them, and has decided to count the loan as a loss. After the lender charges off what you owe, they usually send your account to a collections agency. The collections agency will then try to get you to pay what you owe. Even if you pay the collections agency what they are charging you, this debt will not be erased from your credit report. This is because even though you paid the collections agency, you still owe the money to the original lender. This "charge off' is one of those things that can be reported in the adverse accounts and potentially negative information section of the credit history section of your credit report.

There are also different types of accounts that will appear in your credit history. There can be open accounts, collection accounts, revolving accounts, and installment accounts. An open account is rare to see on your credit report. This kind of account is one that requires you to pay the balance in full each month like your rent, utility bill, and electric bill. These types of creditors very rarely report to the credit reporting agencies. A collections account is one like we just spoke about. A collections account will appear on your credit report if you have become delinquent on any debt and it has been sold to a collections agency. A revolving account IS the most common type of account to appear on your credit report. Credit cards are the most typical form of revolving debt. Revolving debt does not have to be paid in full every month. The amount owed can  fluctuate. You can accrue a certain amount of debt that can change over time, and pay interest on that debt. Loans such as student loans, a car loan, or home mortgage loan will appear on your credit report as an installment account. An installment account is one that has a fixed payment for a fixed period of time. No one expects you to pay your 30-year mortgage in one payment, so in an installment account is one in which you can expect to pay the same monthly payment over the course of the loan. With a mortgage, it's typically 30 years.

Credit Inquiries 

This section of your credit report will include information on everyone who has pulled your credit report to learn more about you. Not just anyone can make an inquiry into your credit history. Usually, it's a lender when you apply for some sort of credit. Applying for a credit card, a home loan a car loan or any other sort of credit will result in an inquiry into your credit history. Aside from lenders, an inquiry into your credit can also be made by a potential landlord, an employer when you're seeking a job, or even insurance companies while you're shopping for the best rate on car isurance. 

There are two different types of inquiries; a hard inquiry, and a soft inquiry. A soft inquiry is made when you take a look at your own credit report, or when some lending institution pre-approves you for an offer. These soft inquiries do not generally affect your credit report at all. Hard inquiries, on the other hand, can affect your credit score. The impact won't be drastic but it can certainly drop your score by a few points. Hard inquiries are made by lenders when you apply for a loan or a line of credit. Too many of them in a short amount of time can have a negative impact on your credit score. 

These requests for access to your credit history information can be voluntary (meaning you allowed someone to make the inquiry, usually by signing a document saying so), or involuntary (meaning someone made the inquiry without your permission). This distinction will be important when we get to the blog post about cleaning up your report. You can learn more about removing inquiries from your credit report here


Public Record 

The public records section of your credit report will include information provided by state and city courts regarding the debt you owe and legal action was taken against you. This can include bankruptcies, foreclosures, lawsuits, wage garnishments, tax liens and other things. Generally, nothing good can come from information in the public records section of your credit report. Listen formation can stay on your credit  report for 7 to 10 years before falling off. 

Checking the Information 

Now that you have a better understanding of what all the data on your credit report means, you need to check and make sure it is accurate. Grab a glass of wine, a notebook, a highlighter, a pencil, and your credit  reports and let's get started. 

First, look through the personal information section and make sure your name, address information, employment history and everything contained here is right. If any of this information is incorrect or just plain false highlight it and then in your notebook make note of the correct information. 

Next, go through your credit history section focusing on the negative information area. Make sure all of these accounts are actually yours and that the information the credit report has regarding the accounts is correct. Though we Will be focusing on the negative accounts, please make sure that all the information given for the positive accounts is correct as well. If there is any incorrect data in any of this highlight it and make note of it in your notebook. 

Then, go through the credit inquiry section, highlight all the inquiries you are unaware of. By unaware of I mean inquiries that you aren't sure you gave permission for. If there are any, write them down in your notebook. 

Last, comb through the public records section of your credit report. If there is any information reported here, make sure that it is correct information. Make that you were aware of these judgments against you. A bankruptcy will not be a surprise, and neither will a judgment from Uncle Sam. Unfortunately, sometimes, a creditor or a collection agency can get a judgment against you without telling you. You won't know about this until you go through your credit report, or apply for a loan and get denied because of. Just so you know, this practice is not legal. I explain how to file with the credit reporting agencies to take care of this if it is a problem on your reports. 

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  17. At first I want to say a Big thank you Lord for all he has done in my life. I know it wont sound great talking about religion on here but i truly believe God led me though to find Notable spy who helped me out of my delicate situations. It hasn't been easy all my life with a low credit score since 2012. I had been scammed by two other credit repair companies before. One called CRS and the other called Lexington Law. I had an issue and my FICO Credit Scores went from 635 to 450 in 2 months because of 2 fake hackers I paid to take care of my Credit as both promised me 780+ Scores in a week time. I spent money and nothing but headaches and bad Credit was the result. Utill i met Daniel a very gentleman of over fifty years of age, He helped me out firmly and I know God must have used him to me. because we weren't suppose to talk religion but after a while we were talking about how we were both Christians and that God doesn't want anyone to suffer. He mentioned his church and actually opened up about how he had to have faith and work with notablespy over his credit report. I explained how i have to move out of my place, with tears on my face I could tell he really cared because he consoled me. He told me he wont make promises but he will work as hard as possible to help me. later on he introduce to me this reliable credit repair company name Notablespy. i work with him with possible ability of me then within 5days my credit report was already being an impressive one. My mortgage counselor was Felicia she was amazing. Very sweet. She told me I qualified fairly quickly because I was very active in gathering the documents they needed. I just want to say to anyone out there who might read this and feel unsure about if they will help. THEY WILL! Look, Notable spy has been operation for 12 years now. i get to know more about them, they got to make sure their clients will be committed and serious to finish the entire program because their reputation is based on their success rate. Mail directly [email protected] tell them Lorna referred you. i'm sure you will be well pleased.

    ReplyDelete
  18. Hi my name is NATASHA EDWIN. Due to a lot of hardships and circumstances beyond my
    control, my scores were in the ditch. It will literally take way too long for me to try sending (3 letters
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    strongly recommend REPAIR WIZARD for your credit repair. You can contact him

    ReplyDelete
  19. My name is ROBINSON HOWARD, greetings folks. I have an old civil judgment in public records and also on
    my credit report coupled with medical bills and student loans. I want to purchase a home later this year
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    interested in his service ASAP. He responded and further explained the process although I was lucky he
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    he actually did all he said he would do and now I’m happy sitting on a very high credit score (788) with
    zero negative items on it. So you can quickly hit him up and get your credit issues fixed ASAP.

    ReplyDelete
  20. Aaron Swartz is the best credit specialist out there!!! I search through google on how to pay my debt on my credit card, When i saw a recommend post about Aaron Swartz. I get in touch with him and he reply that is capable, He help me pay my debt on my two credit card and also increase my credit score to 830 excellent plus within few days, If he could actually pay my debt and increase my score to my satisfaction. I completely recommend Aaron Swartz to you, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

    ReplyDelete

  21. I had some nagging late payments, medical bills, student loan and a bankruptcy filed 2015. I had credit
    scores of 474 (TransUnion) and 488 (Equifax) in June 2017. I applied for a surgery loan in July but was
    not approved because of my poor credit profile. I contacted my loan officer, he explained that I needed a
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    at that time. I made some research and I got a lot of good review and strong recommendations on REPAIR WIZARD
    an ethical hacker who has helped a lot of people in the States so I decided to email him ([email protected]).
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    the changes with the 3 credit bureaus. I got the loan, went through with my surgery and I have REPAIR WIZARD to thank.
    If you need a similar help with your credit, Chexsystem and DUI report, you can contact him via his number or email above.

    ReplyDelete

  22. I was a huge skeptic about credit repair companies. I had no idea which were scams or if they were even necessary. I considered trying to repair it myself but I think part of what you pay for is not having to spend hours doing it yourself. My time is precious so I gave them a try on the recommendation of a realtor that I met. Thw hole process of negative disputes and all did not yield the results and credit score leap i wanted. Bigger skepticm i had towards an alternative (hacker) i was referred to; I questioned the him heavily after i reached out via email ([email protected])and was very frank about my skepticism with him. For instance, I wondered how could successfully get my finances/credit in order in such short tie of one-two weeks. He was very understanding and reassuring, coupled with the stellar reviews of him on web forums. He offered to wait until I could get the money together to start the program. I got ready and work began,he was patient with me and kept in touch with me through email about once every other day, and he wasn't overbearing. His instructions were clear, he was down to earth in telling me the next steps and I saw items drop off within a week, i couldn't believe it. My credit improved from high 500s and low 600s to high 700s low to mid 800s. I am so glad. I've told my sister about this program and my mom and dad. My mom and dad have already called and plan to start as a couple (option I didn't even know they offered that's awesome and thoughtful since married people's credit can affect each other). WEBSTAR is the only credit repair specialist/hacker I will recommend, I am a living example. I trust him with myself and my family

    ReplyDelete
  23. I had some nagging late payments, medical bills, student loan and a bankruptcy filed 2016. I had credit
    scores of 436 (TransUnion) and 469 (Equifax) in June 2017. I applied for a surgery loan in July but was
    not approved because of my poor credit profile. I contacted my loan officer, he explained that I needed a
    score of 780 and the bankruptcy removed from my report before I can be qualified for the loan. I had to
    seek for a way to raise my score and bring my credit profile up to speed because I had to do the surgery
    at that time. I made some research and I got a lot of good review and strong recommendations on WIPERVIRUS
    an ethical hacker who has helped a lot of people in the States so I decided to email him ([email protected]).He emailed me back and he explained the process to me in a very simple terms. We got started with the process on a substantial agreement. After 2 weeks, he removed the bankruptcy, deleted other negative info, eventually raised my score to 790 and verified the changes with the 3 credit bureaus. I got the loan, went through with my surgery and I have WIPERVIRUS to thank. If you need a similar help with your credit, Chexsystem and DUI report, you can contact him via his email above...

    ReplyDelete
  24. Contact Aaron Swartz, I recommend the guy is the best credit specialist out there. He help me erased all negative collections on my credit report and increase my credit score to 830 excellent plus within 72 hours. He also help me pay off my mortgage loan of $230,000 and increase my two credit card limit to $8,500 limit. He’s really worth appreciating and I’ve referred him to 3 of my friends that can’t stop thanking me.. Get in touch with him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

    ReplyDelete
  25. It is everywhere on the web on every credit forum, testimonies about this hacker that hacker miraculously fix credit reports and debts. I must confess it was too good to be true and felt like an orchestrated scam. I thought long and hard because I was in a credit mess, late payments, collections, repossession and I needed a bigger house for my family, a business loan which all was unattainable. I contacted [email protected] or text +1 4047958215 I hoped testimonies about him was genuine and hell yes it was. I’m a living witness to his genius. I have a FICO score of 770 now from mid 500 with an impeccable report

    ReplyDelete
  26. I was sitting close to two women at a restaurant some time ago when I overheard them talking rather happily about their credit reports. I joined in with intention to seek advice regarding my troubling credit state, one of them opened up to me about her once bad credit report and how she met a hacker called HACKNET who helped her indeleting her collections replacing with positive items. And raised her credit score 750+. I was shocked and couldn’t digest it cos it sounded all strange to me. however she gave me his contact,( +1 214 666 4827 [email protected] ). I got in contact with the him days later, he responed quickly and we got talking. I explained my credit situation, late payments, liens and accrued debts. Long story short I was happy and blessed to have met the woman who referred me to hacknet. My credit score took a big leap, negative items gone and he added two tradelines for me. I was awed beyond words. This is my own happy story.

    ReplyDelete
  27. I was sitting close to two women at a restaurant some time ago when I overheard them talking rather happily about their credit reports. I joined in with intention to seek advice regarding my troubling credit state, one of them opened up to me about her once bad credit report and how she met a hacker called HACKNET who helped her in deleting her collections replacing with positive items. And raised her credit score 750+. I was shocked and couldn’t digest it cos it sounded all strange to me. however she gave me his contact,( +1 214 666 4827 [email protected] ). I got in contact with him days later, he respond quickly and we got talking. I explained my credit situation, late payments, liens and accrued debts. Long story short I was happy and blessed to have met the woman who referred me to HACKNET . My credit score took a big leap, negative items gone and he added two tradelines for me. I was awed beyond words. This is my own happy story.

    ReplyDelete
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  29. My credit score was in a mess, I need to increase my credit score to 800. So i can be able to apply for mortgage loan and I saw this hacker being praise on Disqus. Then i decided to give him a try, To my surprise he removes late payments from my credit report and boost my credit score to about 800–841 within 72 hours. He also increase my two credit card to $4,500, I thank Aaron Swartz for helping me and am moving on fine with my life and my son. Hurray!! Get to him on aaronswartzcyberservices At Gmail Dot Com

    ReplyDelete