10-09-2008 12:40 PM
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.
10-09-2008 01:02 PM
They are accurate but like all other 3rd party pulls they do not have some information.
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.
10-09-2008 01:21 PM
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
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.