PULLING YOUR CREDIT REPORT

[Anonymous]

I AM A NEWBEE TO MYFICO FORUMS. SINCE ON HERE, I HAVE LEARN SOOOOO MUCH ABOUT CREDIT. I LIKE TO THANK EVERYONE FOR THERE PARTICIPATIONS.

I HAVE AN ACCOUNT WITH MY CREDIT KEEPER AND I AM A MEMBER OF MYFICO. I RECENTLY READ A LOT OF NEGATIVE THINGS ABOUT THESE COMPANIES.  BAD THINGS INCLUDES THEIR SCORES ARE DIFFERENT FROM YOUR ACTUALLY SCORES THAT COMES FROM THE THREE BUREAUS. FROM WHAT I READ, THEIR SCORES IS JUST A SNAP SHOT OF YOUR REPORT. 

THEN I SEE A FORUM ABOUT TRUECREDIT.  I READ THAT IT WAS A GOOD PLACE TO PULL YOUR CREDIT.  HOWEVER, SOME PEOPLE WAS COMPLAINING ABOUT THEY COULDN'T PULL THEIR REPORT. AS I READ ON I NOTICE IT WAS SOME TECHNICAL DIFFACULTIES.

MY QUESTION IS: WHERE IS THE BEST PLACE TO PULL MY CREDIT REPORT AND SCORE TO MONITOR MY CREDIT?

I ALSO SEE PEOPLE SAY THAT THEY PULL THE CREDIT WEEKLY TO SEE THE UPDATE ( I SAW THIS ON THE TRUECREDIT FORUM). WILL PULLING YOUR REPORT FREQUENTLY DROP YOUR SCORE?

AND I DO REALIZE THAT YOU GET ONE FREE CREDIT REPORT PER YEAR.

[Anonymous]

Scores from places like CreditKeeper, TrueCredit, FreeCreditReport.com, etc are not real FICOs.

To get real FICO scores, you will need to get those here.

For monitoring your report, any of those are fine. I personally use TrueCredit because I can pull daily.

Yes, TrueCredit has had some difficulties. I'm sure they all have at one point in time, technology for ya.

TrueCredit was cutting people off who pulled everyday. I have pulled nearly everyday for a few months or more and no problems. I might eventually have problems tho. I now try to pull 2 or 3 times a week.

Checking your own credit does not affect score or show as an inquiry that your creditors can see.

P.S. Your postings will be easier to read without all caps.

[Anonymous]

Thanks!!!!

p.s  Sorry for the caps!!! lol

[Anonymous]

Another Question: If i pull my credit report and score from my fico will it give my my whole report including the collection agencies number and my WHOLE account number.  MyCreditKeeper dont give me the whole account number

[haulingthescoreup]

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@Anonymous wrote:

Another Question: If i pull my credit report and score from my fico will it give my my whole report including the collection agencies number and my WHOLE account number. MyCreditKeeper dont give me the whole account number

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No, or at least, often no. Any report monitoring service (like MyCreditKeeper, myFICO, TrueCredit, etc.) has shortened reports.

If you can't find all the info you need, you will have to get a full report from one of the credit bureaus. If you haven't gotten one within the last year, it will be free if you go through annualcreditreport.com. (Not freecreditreport.com!) Don't buy the score that comes with it, unless you want another FAKO.

The scores that come from the bureaus are FAKO's, with the exception of Equifax, that will sell you your EQ FICO score. When you get your FICO scores, they are crunched from the reports that each bureau has, so in a sense, they come from the bureau. But to buy them, you need to get them here.

[Anonymous]

Probaly not acct #"s usually have last 4 omitted for security purposes. I not for sure about collection account info. hope this helps . OOPs posted before seeing HTSU had replied I agree with her. My Bad Credit 08

Message Edited by credit08 on 05-22-2008 04:32 PM

[Anonymous]

THANKS!!!!!!!

[tcham54687]

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taylor01 wrote:

Another Question: If i pull my credit report and score from my fico will it give my my whole report including the collection agencies number and my WHOLE account number.  MyCreditKeeper dont give me the whole account number

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taylor01, when I pulled my free annual credit report from Transunion it had the whole account number. Came in handy when I was calling creditors and filing disputes. They can find the account with the truncated number, but I felt more confident with the whole number in hand.