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Credit report copies

JLR
New Member

Credit report copies

Hello everyone,
 
I just have a brief question, as I have been very careless with credit but realize
that is always there hunting me and I want to fix my credit ASAP.
 
My question is, can I get a free hard copy of my credit to take a look at it start working
on it with all this great information site you are offering?
 
And how should I go about it?
 
Thanks in advance
 
Message 1 of 8
7 REPLIES
Regular Contributor

Re: Credit report copies

I would go to www.annualcreditreport.com.  You are allowed one free copy per year and, in most cases, you can access it online.
 
Good luck!
Message 2 of 8
Moderator Emeritus

Re: Credit report copies

a hard copy is a copy on paper....it doesn't meant that it must come by mail from a CRA....you can use copy machine or if received online  just print it out.
Message 3 of 8
JLR
New Member

Re: Credit report copies

I want to thank you all for your response, it was very helpfull and I managed to get the annual
copies. Really thanks for the information, this is a great site and I know that with all this great information I will be able to fix my credit problems.
 
I look forward to learning as much as possible of what seems to be the # 1 problem with a lot of good people today.
 
Kind regards
Juan
Message 4 of 8
Moderator Emeritus

Re: Credit report copies

If you need more help just ask away....anyone with an answer will post it......check all CRAs....you might find things on 1CRA and not another.....that is normal......If you dispute  dispute all 3 CRA  at same time.
 
You need to know what your SOL is before beginning (at least I think it is important)
 
 
CRTP and SOL
 
Message 5 of 8
JLR
New Member

Re: Credit report copies

I have another question, I noticed after looking at my credit report that some of my
issues are due in 2008.
 
My question is if I don't pay and wait until it expires what would happen?
 
What do you recommend?
 
A couple of them are credit cards.
 
Please advise
 
Thanks in advance
 
Message 6 of 8
Moderator Emeritus

Re: Credit report copies



JLR wrote:
I have another question, I noticed after looking at my credit report that some of my
issues are due in 2008.
 
My question is if I don't pay and wait until it expires what would happen?
 
What do you recommend?
 
A couple of them are credit cards.
 
Please advise
 
Thanks in advance
 


Do you mean that they will drop off in 2008?  who is reporting OC or CA?
 
What is your SOL?
 
If they are due to drop   they will be gone! off CR


Message Edited by HappyDays on 09-12-2007 10:33 AM
Message 7 of 8
JLR
New Member

Re: Credit report copies

Good morning,
 
My SOL is 5454 I'm in Florida, but excuse my ignorance I don't have my report in front of me. Can you explain the difference between OC and CA?
 
It will be greatly appreciated.
 
Thanks
 
By the way yes it does sound like they are schedule to be drop.
 
Thanks again
Message 8 of 8