What is the best agency to pull your credit?

This is what I have been dreading to do and I have to suck it up and just do it. I don't owe debt but have had some issues in the past. I need to deal with it and just bite the bullet.

Any suggestions?

I wasn't really sure about Freecreditreport.com

TIA!!!!

Re: What is the best agency to pull your credit?

I have always gone through the government site for my reports:

Annual Credit Report . com

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Re: What is the best agency to pull your credit?

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Re: What is the best agency to pull your credit?

Posted by ave1024

Posted by alli3131

Posted by ave1024

Posted by greenfreak

Posted by Cpt2007

I have always gone through the government site for my reports:

Annual Credit Report . com

This is not a scam, but freecreditreport is. You can get your report for free once per year through Annual Credit Report. You won't get your number for free but if your concern is what's on the report, you shouldn't need it.

freecreditreport.com is not a scam. It's run by Experian which is one of the three major credit reporting agencies.

its not a scam but they sign you up for a monthly credit watch if you dont watch.....thats why people think its a scam.....the report isnt really free but they dont give you all that info right up from.

Then they need to read the fine print before they click sign up.

You can pull a free report from freecreditreport.com without paying anything. I have done it. They also give you 14 days free trial for their service so you can pull all three reports AND your scores. Then cancel before the trial period is up.

Annualcreditreport.com does the same thing, tries to sign you up for their service to give you the scores.

Re: What is the best agency to pull your credit?

I like to use myfico.com...I pay $12 to get the score every other month or so. I like that it's super user-friendly. It tells you all the good, the bad, and also has a score simulator.

And once a year I get my report through annualcreditreport.com.

As much as you may not want to do it, the best thing you can do is see your report and score and start working on it asap. My credit score went from a 440 (when I was 19ish I decided to charge everything, and not pay) all the way up to a 760, which is where it is now. Thats over 300 points! This took a good 5 years, but I never would have been able to improve my credit unless I saw it in paper.

Re: What is the best agency to pull your credit?

I've used freecreditreport tons of times (once a year...) just make sure you cancel it in the alloted time before you're charged again...

never had a problem, since I knew about this to be begin with... and they're pretty upfront about it. They let you know when you're signing up how long the *free trial* is.

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Re: What is the best agency to pull your credit?

We use truecredit.com
We pay a monthly fee and can log in whenever we want, we do it weekly and keep track of our credit scores.

True credit gives u your scores from the Top 3 agencies, experian, transunion and one other i forget the name
DH has his credit locked, so no one can try to take out a credit card under his name.
If someone tried it would be denied and he would be contacted asap.

Re: What is the best agency to pull your credit?

I put a fraud alert on my credit every 3 months with equifax and I usually get to view my credit report at that time for free.

Basically, the fraud alert says that no one can open up any new credit in my name unless the issuer calls my house phone (or whatever phone I specify or they can do it in writing) and I confirm that it was me. It's an extra step and a bit of a hassle to open up cards/accounts, but it's worth it.