Discover & Chase Freedom Requirements?

[09Lexie]

Many lenders will not use FICO score but their own internal CS for approval/declines. Which is why we emphasize CS is not the only thing you should be concerned with but util, new accts, baddies, income etc.

[Dubious]

Are those 10 inquiries in one report or added up from all 3?

[Skye12329]

Turns out i have 9, but thats just from CK i havent seen the actual report, and it also turns out 6 of them were in one day when i was shopping for a car. 

[Dubious]

If you haven't already, you should pull your reports from annualcreditreport.com

You/we will be able to know better where you currently stand. 

Creditkarma pulls info from Transunion only, and lenders may use any one of the three, or two, or all of them. You'll want to know what's on there. 

[Skye12329]

I will have to do that, stupid question is annualcreditreport a reliable website? My boyfriend just had his identity stolen...thanks to Wells Fargo for screwing up major, and currently battling identity theft now, and so im nervous where i put my SSN even on license renewel and websites i know it sounds stupid, but its a scary world out there.

[09Lexie]

Yes. It's very reliable

[guiness56]

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@Skye12329 wrote:

I will have to do that, stupid question is annualcreditreport a reliable website? My boyfriend just had his identity stolen...thanks to Wells Fargo for screwing up major, and currently battling identity theft now, and so im nervous where i put my SSN even on license renewel and websites i know it sounds stupid, but its a scary world out there.

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This is the website mandated by law where the consumer gets a free report from each CRA every 12 months.

[Skye12329]

I will have to wait 3 more months before i can recieve my free report, turns out i had my report last year from that site. I do remember that now.

[Dubious]

Did you get all 3 of them at the same time last year?

[Skye12329]

I did, that was before i understood it all. I started understanding credit more when my BF lost his job and i started working at a retail store where we sell cards. Not the funnest to sell credit...