topic Re: Walmart FICO.. 620 but question in General Credit Topics

Walmart FICO.. 620 but question

Anonymous — Mon, 20 May 2013 03:45:40 GMT

says key factors affecting my score...

1. You have a public record or a collection on your credit report.

2.ou have relatively few accounts that are in good standing.

are these true?...

how do i check? i dont think i have anything i never paid. i remember i checked my score somewhere a year ago and it said i have nothing against me and i have no history since i had no cards..

im scared

Re: Walmart FICO.. 620 but question

Creditaddict — Mon, 20 May 2013 03:50:09 GMT

you are entitled to free from Transuion.com/dispute

or freeannualcreditreport

or right here at myfico.com check my fico score above and since Walmart is using your TransUnion, I would start by checking that one here... but you really should check all 3 also, especially if you have anything bad going on with TU.

Re: Walmart FICO.. 620 but question

myjourney — Mon, 20 May 2013 03:52:22 GMT

@Anonymous wrote:
says key factors affecting my score...

1. You have a public record or a collection on your credit report.
2.ou have relatively few accounts that are in good standing.

are these true?...

how do i check? i dont think i have anything i never paid. i remember i checked my score somewhere a year ago and it said i have nothing against me and i have no history since i had no cards..

im scared

Pull your CR but probably right they are good for monitoring report just don't count on scores by themself

Re: Walmart FICO.. 620 but question

Anonymous — Mon, 20 May 2013 03:52:06 GMT

Definitely pull all 3. If necessary dispute anything that's not factual. Good luck!

Re: Walmart FICO.. 620 but question

unc0mm0n1 — Mon, 20 May 2013 03:55:08 GMT

Have you looked at your credit report lately? If you haven't, you can get one on annualcreditreport.com. It should list any negative information you have.

Re: Walmart FICO.. 620 but question

Anonymous — Mon, 20 May 2013 04:14:47 GMT

never checked it, i dont want to pay

Re: Walmart FICO.. 620 but question

Anonymous — Mon, 20 May 2013 04:16:36 GMT

It's free and you are entitled to one each year.

Re: Walmart FICO.. 620 but question

FinStar — Mon, 20 May 2013 04:17:40 GMT

@unc0mm0n1 wrote:
Have you looked at your credit report lately? If you haven't, you can get one on annualcreditreport.com. It should list any negative information you have.

The above service is complimentary for all your 3 CRs, except for the scores.

Re: Walmart FICO.. 620 but question

myjourney — Mon, 20 May 2013 04:18:39 GMT

https://www.annualcreditreport.com/cra/index.jsp

Re: Walmart FICO.. 620 but question

FinStar — Mon, 20 May 2013 04:23:32 GMT

@Anonymous wrote:
It's free and you are entitled to one each year.

OP - it is to your benefit as an informed consumer to examine your CRs to ensure it agrees with what's being reported and for any discrepancies (if applicable).

Re: Walmart FICO.. 620 but question

Anonymous — Mon, 20 May 2013 04:33:53 GMT

sweet thanks

though i was NOT able to get my EFAX, asked me a bunch of questions regarding myself and none were related to any data and it said i was not able to view it. said i had to mail info in

Re: Walmart FICO.. 620 but question

myjourney — Mon, 20 May 2013 04:37:22 GMT

@Anonymous wrote:
sweet thanks

though i was NOT able to get my EFAX, asked me a bunch of questions regarding myself and none were related to any data and it said i was not able to view it. said i had to mail info in

Ususally means maybe you changed address or your security answers you gave didn't match whats on your CR...

Follow it up and get a CR and look it over

Good luck

Re: Walmart FICO.. 620 but question

Anonymous — Mon, 20 May 2013 04:41:01 GMT

+1

Just fill out the form and send in your id to get your actual report. You need to monitor your CR's religiously.

Re: Walmart FICO.. 620 but question

webhopper — Mon, 20 May 2013 04:49:19 GMT

I definitely recommend getting your free reports and checking out my ID theft guide at the top of this forum. The fact that you don't recognize the info is one of the first signs that you may have an issue!

Good luck!!

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