Annual Credit Report

[tfkallday]

Hi all!  I ordered my free annual credit report last april.  I am wondering if I can order my 2014 annual credit report for free now because it is a new calender year or do I have to wait until April to order it?  I monitor my credit daily via myprivacymatters BUT I would like to see what my real live credit reports say. Thanks!

[notfancy]

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@tfkallday wrote:

Hi all!  I ordered my free annual credit report last april.  I am wondering if I can order my 2014 annual credit report for free now because it is a new calender year or do I have to wait until April to order it?  I monitor my credit daily via myprivacymatters BUT I would like to see what my real live credit reports say. Thanks!

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annualcreditreport.com is 12 months to 12 months, so if you got your credit reports in April, you'll have to wait til April of this year for another free one.

[tfkallday]

ouch, ok!  Thanks for the advice.  any other advice?  I cant believe how far I have come in 10 months

[notfancy]

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@tfkallday wrote:

ouch, ok!  Thanks for the advice.  any other advice?  I cant believe how far I have come in 10 months

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Um probably! At least, I'm always bursting with opinions! What are you looking for? What are your goals, and what is currently on your credit reports (as much as you can possibly recall or know of) Inquiries? Collection/Baddies?, loans, CCs, what is your UTL at? How old is your credit account age? You can go to creditkarma.com and get some generic ideas of your credit if you'd like, but the scores are crummy, and the site is often a little glitchy.

[tfkallday]

Hi I have a satisfied judgement I am working on getting vacated, an open collections acct which I have a PFD offer waiting to hear back, and then another collection and cc account (the same debt) which are negatives but I am working on GWing.  I think I am on my way but am always fishing for advice.  After I get my tax returns I am paying off my cards and trying to do the PFD for the debt which is left.

[notfancy]

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@tfkallday wrote:

Hi I have a satisfied judgement I am working on getting vacated, an open collections acct which I have a PFD offer waiting to hear back, and then another collection and cc account (the same debt) which are negatives but I am working on GWing.  I think I am on my way but am always fishing for advice.  After I get my tax returns I am paying off my cards and trying to do the PFD for the debt which is left.

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I'd say that you're well on your way to doing everything right at this point! Do you have any open accounts that are current? Even a secured card or two? Getting some good revolving history would help you significantly.

[tfkallday]

Thanks not fancy :-)  I have an Express Card (300) Cap1 Secured (200) PNC Visa Secured (400) Credit One (400) and Barclays (500) .. I am gardening and working on getting stuff PFD and GW so I can get into some better cards.  I really would like the discover IT an AMEX and a Chase... All my accounts are current I have 100% payment history no lates.  Hoping for the best on this judgement and the COs!!

[notfancy]

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@tfkallday wrote:

Thanks not fancy :-)  I have an Express Card (300) Cap1 Secured (200) PNC Visa Secured (400) Credit One (400) and Barclays (500) .. I am gardening and working on getting stuff PFD and GW so I can get into some better cards.  I really would like the discover IT an AMEX and a Chase... All my accounts are current I have 100% payment history no lates.  Hoping for the best on this judgement and the COs!!

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Check and see if any of them will give you soft pull credit limit increases.