All Three Scores and Reports from One Site?

[Clyons0203]

I want to pull all thre scores and reports from one site.  Is that possible?  I want to see where i stand credit score wise and what I need to dispute.

[pizzadude]

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@Clyons0203 wrote:

I want to pull all thre scores and reports from one site.  Is that possible?  I want to see where i stand credit score wise and what I need to dispute.

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There isn't a single place that you can get all three FICO scores, unless you have a creditor pull them for you.   

MyFICO will sell you TU and EQ FICO scores.    EQ will sell you a FICO score, but the other two CRAs ( EX and TU ) will only sell you a FAKO score.

Before you worry about your FICO scores, I would just pull your reports if you haven't done so already.   There are many CMS options that will pull all three CRA reports.

[Clyons0203]

What would be the best plan of action?  I think if I go to Eq, TU, and Ex website I can pull my credit report for free.  I think I am allowed one free per year. Or should let a CMS pull all three reports and dispute thru them?  How is the dispute process handled?  I did all this pulling and disputing years ago, not sure if the process is the same.  Back then some of the disputes were handled online and some where not.

[pizzadude]

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@Clyons0203 wrote:

What would be the best plan of action?  I think if I go to Eq, TU, and Ex website I can pull my credit report for free.  I think I am allowed one free per year. Or should let a CMS pull all three reports and dispute thru them?  How is the dispute process handled?  I did all this pulling and disputing years ago, not sure if the process is the same.  Back then some of the disputes were handled online and some where not.

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Yes, you are entitled to a free report from each CRA, so that would be a good starting place.    Also each CRA has a link to allow you to dispute items directly from the on~line report, if you need to dispute.     Do you think that there is a lot of inaccurate information on your reports ?

[Clyons0203]

When i was in college i ran up credit cards and didnt pay them.  They went to collections and I eventually paid them.  Didnt pay for the full balance. I was able to talk them down to 30cent on the dollar.  This was back in 2003-2004.  So they should not still be on my report. I pay my bills on time, so I should not have any lates on anything.

[Clyons0203]

I pulled all three. There is some $55 collection on there for a parking ticket.  I knew nothing about this ticket.  Some balances on CC were incorrect.  Paid in full to have a medical collection deleted.  After all this drop off I should be in the 700 range, considering I have a Walmart Faka score of 685