I currently have a two $5/mo services with National Credit Report and also with FreeCreditReprt.Com Free Credit has a nice web site and I can pull my eperian report any time I like. National Credit is BS and I am going to cancel because its a waste of money. My credit history has only a few things. The worst are my payment history, which my last late payment was feb 2014 and I have two accounts in collections, Sprint and Dish Network, which are from 2010-2011. I have a mortgage from 2003 that is in good standing and a ford motor credit loan that has zero late payments, opened up in apr of 2014. I want to build my credit up to where we can sell our house and buy another house. I ask that when you discuss any of these topics please explain you abbreviations, as I don't know what the hell they mean, or how to apply them when I look them up. Thanks a bunch, and lets get the knowledge out there.
Really what I am asking is are there services out there that are worth the extra money and are there ways to employ these services in such a manner to achieve an impact on my credit score and abilty to get another mortgage.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k