Any risk in contacting the 3 credit reporting companies, asking for mine?

Question

If I find their addresses on line -- how can I be sure that it is real company & not scammers?

My credit is probably awful. I feel like asking for a score will somehow tell all other merchants and lenders how bad mine is.

But they probably know or can find out already. I'm probably just afraid of what I will find. I've read the credit-mending tips. I need more income, the biggest solution. Next would be spending wisely.

Thanks for your thoughts on this.

Answer 1

You can use credit repair agency to fix your credit - for example this one - http://creditreport.fateback.com - They can clean lots of such bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.

Answer 2

There are 3 credit reporting companies. Just do one free report,then wait about 4 months & do with another,& the same in another 4 months. That way it spreads it out. You are allowed 1 free a year with each one. Be care ful sometimes you can be charged if you don't read thefine prin t. You cab call in on the 800 numbers too.

Answer 3

The old fashioned way. And yes, this credit thing is full of scam and bs artists. Telephone book. Write. They are obligated to send you a report after being refused somewhere. So go apply for a Rolls Royce or something and wait for refusal. They will send the information they used to assess you. Then write usually Transunion, Equifax & another i've forgotten. In my experience there is always at least 2 errors on these reports. Then work your head off using direct deposits for a few months & don't buy/spend anything.Hang in there, it will clear up. Good Luck

Answer 4

You can get a free report from each bureau once a year.

go to the official site:  www.annualcreditreport.com

Others (like freecreditreport.com) make you proide a credit card and signing up.  The site above does not.

Answer 5

You don't have to go to the credit bureaus. Go to annualcreditreport.com   This is the REAL free site....(NOT freecreditreport.com)

You can get your credit report free once a year at this site.

Answer 6

The first answer is right on the money annualcreditreport.com. This is the GOVERNMENT sponsored free credit report that you are entitled to once a year. DO NOT apply for credit and then ask for a copy of your report once you are denied. That will give you a "hard inquiry" which will hurt your credit score and stay on your credit for a year.

Believe it or not there are actually 4 credit bureaus. I know, I know. Banks, Realtors, Car Dealers are only interested in the big three (TU, EQ, EX) but there is a fourth, it's Innovas Data Solutions. Innovas provides ALL credit card companies with a list of people who meet there "pre screened" offers. Innovas stores credit information on everybody just like the other three bureaus. They make plenty of mistakes, just like the other three bureaus, and you can dispute their information just like the other three bureaus. Good Luck.