Where can I go to get my complete Credit information?
I know you can get them for free through certain sites...but when I have retrieved them they have been only partial or only certain types of debt.
Our Bank will only pull them if you are applying for a loan to consolidate your debt. And they charge you an arm and a leg on the inquiry.
SO...Where have you gotten your credit report and had it be complete.......I need to have everything on one report because we are filing for Bankruptcy and I do not want to miss anything that may have slipped my records:) SO it is a must to have everything on it.
Thank You in advance:)
Do exactly as Cheryl stated. You MUST order one report from each credit agency, the reason being is that creditors sometimes only report to one of them or things get missed. Do NOT get a merged report by going to other websites, there is no reason to pay for a credit report.
equifax.com
transunion.com
experian.com
I would get one from each organization - you are entitled to one free report each year from the organizations. Organizations that say "free credit report" want you to sign up for their services, so I would be leery of those.
Some medical debt will not appear on a credit report. So you may have to go through your bills to see how much you owe them.
you are legally allowed a free report from each of the three companies once a year. don't pay for them. dave ramsey suggests going directly to each of the companies' websites (equifax, experian, and transunion). once you get everything straightened out he suggests checking one every 4 months so you are always on top of it if something appears that shouldn't.
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Most of the pay sites have complete reports.
You need to go to www.annualcreditreport.com. You can order all 3 reports from the 3 main credit agencies. There is no charge for this service.
I don't know what you mean by a "complete" report. The last time I got my report it had accounts listed going back over 20 years. The agency can only provide you with the data that is provided to them. If you had an account with a local furniture store, they may not have reported your activity.
Go to www.annualcreditreport.com--it is the site that gives you free reports from the 3 reporting agencies. You can also get your credit score from each of them for a nominal fee (between $5 and $10).
Go to annualcreditreport.com for a free report. Going straight to the credit bureau site will cost. Once you go through the link, you can order your report and it will ask if you want your score for $7.95 or something like that. Much cheaper than a bank or other place pulling it for you.
If you go to anything other than the three credit bureaus you will be signing up for a service and will end up paying for it.
You are, by law, entitled to one free report each year from EACH agency that does credit reporting. They are:
http://www.Experian.com
http://www.Transunion.com
http://www.Equifax.com
The sites may say there is a fee. However, if you call them - you should be able to get yours free.
