topic Where do I start? in General Credit Topics

Where do I start?

Anonymous — Mon, 17 Dec 2012 00:12:51 GMT

I'm trying to get a good idea of how to start tracking my credit and bring it up. I have some student loans I'm paying off and I never missed a payment. Is that going to bring up my score?

Re: Where do I start?

Shogun — Mon, 17 Dec 2012 00:18:02 GMT

Hello and welcome to the forums.

Start with pulling your FREE CR's from (ACR) annualcreditreport.com . they tend to have more info on them, then ones from a 3rd party. The CR's from ACR, come directly from each of the CRA's. You can pull 1 Free CR from TU,EQ and EX every 12 months.

Save your money and Don't Buy the Scores, they are what we call FAKO's.

Now once you have all your reports, you will need to go through them looking for information. What's good, what's bad. What you need to do to clean up and what you need to do to build new. If you have any questions, just post on here and we will be happy to help.

Answer to your question, yes, that will post as a positive TL. Good Luck!

Re: Where do I start?

Anonymous — Mon, 17 Dec 2012 00:31:01 GMT

Awesome thanks! I'll try to pull some reports and then ask questions after.

Re: Where do I start?

sphinx313 — Mon, 17 Dec 2012 00:35:02 GMT

+1 on annualcreditreport.com Once you have all the information you need you can sign up here for an actual FICO EQ score and monitor your progress. It has practically consumed my life. Good luck to you.