Rebuilding Your Credit

[tishmomof2]

Ive been told that these credit reports I have are not accurate and that I need to call the credit burueas to get accurate reports. i thought these reports were real.

[HappyDays]

They are accurate but like all other 3rd party pulls they do not have some information.

[llecs]

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HappyDays wrote:
They are accurate but like all other 3rd party pulls they do not have some information.

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And that other information includes inquiries from 13-24 months old, soft inquiries, better address info, longer payment history, and better dates, including a drop off date for TU and EX.

[tishmomof2]

But will they include all my debt that I owe... i pulled all three so just wanted to make sure that I can repair my credit using all 3 of these reports

[llecs]

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tishmomof2 wrote:
But will they include all my debt that I owe... i pulled all three so just wanted to make sure that I can repair my credit using all 3 of these reports

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I recommend pulling myFICO reports to see where you are score-wise before starting repair and to also pull all 3 reports directly from the CRAs, mainly for the above named info. You can get all 3 for free via annualcreditreport.com.