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Hi! Do all the reports have the same information as far as collections, chargeoffs, etc. I am wondering if just getting an EX credit report will suffice.
Today I signed up for scorewatch and I was able to get all 3 collections on my account taken care of over the phone. Even had one cut in half and paid it on the spot. So I am wondering if those were the only 3 I have to worry about. I want to make sure I get everything taken care of before the summer is over.
They might be all alike, but i'm going to guess no. More often than not, there is something that's on 2 but not on the third, or it's on one, but not the other two.
go here: https://www.annualcreditreport.com/cra/index.jsp
*cut & paste...link won't work
This is the free site thru the govt to get one free from each of the 3. Do yourself a favor..get them.
Also...don't ever agree to pay anything over the phone!! Read this forum...you can often get negative info deleated if you go about it the right way!!
Welcome...
Hi,
Actually, now that you mention annual credit report, I remember doing one earlier in the year and printing it out, but never looking past the equifax. I will have to go dig it out.
I will make sure to search the forums about payments and getting negatives deleted. Thanks for the tip!
If the ATT and Comcast bill turned out to be legit, could you PIF? If so, I would send a DV, CMRRR to the collection agencies reporting.
On the gas bill.....what is the DOFD? Is the OC reporting or just the CA? Is it beyond SOL?