Walmart FICO.. 620 but question

[Anonymous]

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

[Creditaddict]

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.

[myjourney]

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@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

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

[09Lexie]

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

[unc0mm0n1]

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. 

[Anonymous]

never checked it, i dont want to pay

[09Lexie]

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

[FinStar]

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@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. 

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+1

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

[myjourney]

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

[FinStar]

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@09Lexie wrote:
It's free and you are entitled to one each year.

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+1

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).