How get free credit report Lubbock

When you get to a credit bureau you may have to verify some questions about your loan or credit accounts. For example they how get free credit report Lubbock may say "In July of 2003 you may have opened a mortgage..." and then ask you what company how get free credit report Lubbock has your mortgage. Do not be alarmed if you don't t recognize everything in the questions asked. I got a question from one bureau asking me if people lived with me that I didn't recognize. These may be questions to differentiate you from another person with the same name or they may how get free credit report Lubbock be trick questions. 4) Get your Transunion report When you get to the TransUnion site they will make how get free credit report Lubbock you click through some stuff. They are going to offer additional stuff you can buy from them. If you want to buy a credit score then that will be extra. I'd recommend saying NO Thanks to these extra offers. 1) they offer a credit score for $7.95 extra and 2) hit 'no thanks' to decline extra stuff: Once you get past the sales pitches you'how get free credit report Lubbock ll get the full credit report. freecreditreport The credit report will have entries for any kind of loan or credit card you've had. Mortgages, student loans, car loans, charge cards, and credit cards will all be listed.

The TransUnion report will have entries for each item similar to my Discover card entry below: I'how get free credit report Lubbock ve blacked out some stuff to obscure how get free credit report Lubbock details. Carefully look through all your entries in the credit report.

Make sure you recognize everything there and how get free credit report Lubbock that everything is accurate. If you've missed payments then they will show up with orange/red tone color boxes.

I've done a good job making my Discover card payments and all the boxes are green. credit rating Its a good idea to save a copy of the TransUnion report for your reference. When you're done at TransUnion click on the link at the top of the page to Return to AnnualCreditReport.com : 7) Get and review your Experian report Continue on and go to the Experian site. You'll then get to a point that you can access your full Experian credit report.

Go ahead and save a copy of the report for your records. Experians reports look different than TransUnion's. Here is a screenshot of my Discover card record with Experian: Again you should check out all of the records in the report and make sure that everything is accurate. One key to look for is the "Status" entry as circle in yellow in the picture above. If the status says "never late" or anything like that then you're doing fine.

So "Open/never late", "Paid, Closed / never late" or "Transferred / never late" are all good. Unfortunately I can't give all the details on getting your Equifax report. I had problems with their website and was unable to get my report. But I've done it in previous years so I remember what its like. three credit report online The process to get the Equifax report is pretty similar to the other two bureaus. When you get to the site they'll try and pitch an extra service and it's probably best to decline that.

The formatting of the report will differ from Transunion and Experian a little bit. Dealing with problems Hopefully everything on your credit report is accurate. But if there are any inaccuracies or activity that you did not authorize then you should deal with it soon. Errors on your report could be hurting your credit score and unauthorized activity is a sign of potential fraud such as identity theft.