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Welcome to the forums Skyblu. I wish I joined this forum years ago. You can start by getting all three of your credit reports for free from annualcreditreport.com and then checking to see if everything is accurate. The next step differs for people...I would urge you NOT to dispute everything through the Credit Reporting Agencies. That could be a last resort depending on what you find on your free reports. Best Wishes!!! You made the first step.
You'll only get the reports for free.
You can get your scores through myFICO here, or if you want some freebies you can sign up at Credit Karma (CK) for your TransUnion score and Credit Sesame (CS) for your Experian score. There's no free source for Equifax.
Really important to note: CK and CS are called FAKOs for a reason; they're just guesses. They're not accurate, but they're close enough to give you an idea as to where you stand. Some people have had their scores be wildly different from their FICO scores. So, YMMV.
They're also useful as a way to monitor what's happening to your credit.
Scores | 2013-09-21 | Current |
Equifax | 630 (LP) | 755 (CK)/749 (Quizzle) |
Experian | 640 (FCR) | FICO 707 (Amex) |
TransUnion | 588 (CK) | FICO 754 (Barclaycard) |
Welcome to the forum! You're getting and will continue to get some great advice. Just be sure to get a lot of feedback before making any decisions.
@Skyblu wrote:
Greetings to you,
I saw a nice glimpse of this forum, and thought wow real people with the Same or similar issues I have. And boy do I need some help. Looking forward to new beginnings.
Welcome to the forum
Here you will find any and all answers to your questions.
If you can't find the answers always ask we want to see you succeed and help will come running from all side to assist
Best wishes on your journey
@myjourney wrote:
@Skyblu wrote:
Greetings to you,
I saw a nice glimpse of this forum, and thought wow real people with the Same or similar issues I have. And boy do I need some help. Looking forward to new beginnings.Welcome to the forum
Here you will find any and all answers to your questions.
If you can't find the answers always ask we want to see you succeed and help will come running from all side to assist
Best wishes on your journey
This is so true, I am thankful for my myfico family.....just wish I had joined sooner.