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Member
Cupcake78
Posts: 18
Registered: ‎05-10-2013

Best place to get credit report?

Accordingto Credit Karma/Sesame, something is reporting late on my cr. 

 

Where should I get the credit report from?  I already pulled my free report last spring.  Should I just pay through annualcreditreport.com, or just buy it from the actual CRA.  Does it matter?  Thanks

Valued Contributor
juggalo9er
Posts: 1,089
Registered: ‎10-24-2013

Re: Best place to get credit report?

http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page not sure if your allowed to post links but if you google transunion dispute online which is what i believe creditkarma pulls, there is a page that allows you to file a dispute online. in this process they will show you your credit report as many times as you would like!. One could call this lying to the credit bureau but ehe i see it as getting something for free that should already be free.

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Member
Cupcake78
Posts: 18
Registered: ‎05-10-2013

Re: Best place to get credit report?

Thanks!

Senior Contributor
DaBears
Posts: 3,923
Registered: ‎10-26-2012

Re: Best place to get credit report?


Cupcake78 wrote:

Accordingto Credit Karma/Sesame, something is reporting late on my cr. 

 

Where should I get the credit report from?  I already pulled my free report last spring.  Should I just pay through annualcreditreport.com, or just buy it from the actual CRA.  Does it matter?  Thanks


www.annualcreditreport.com you are allowed 1 free credit report from all 3 CRA's per year. They are the most detailed and accurate.

 

 

DaBears

Member
Cupcake78
Posts: 18
Registered: ‎05-10-2013

Re: Best place to get credit report?

I already got my annual free report, I just need to see an updated copy, as there is something new reporting.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Best place to get credit report?

You would need to pay for them either through the CRAs or annualcreditreport.com.

Member
Cupcake78
Posts: 18
Registered: ‎05-10-2013

Re: Best place to get credit report?

If I know the collection agency, could I just write them for verification, even if I don't know what the collection is about?

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Best place to get credit report?

You can, yes.  But if it is still within your state SOL and they validate and you can't PIF, it could cause them to sue you.


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