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How to get your updated credit reports free every day!!!!

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robert900rj
Member

How to get your updated credit reports free every day!!!!

The trick is simple. Mod Cut


Starting EQ FICO Score: 575 7/2012
Current EQ FICO Score: 635 8/2012
Starting TU FICO Score: 592 7/2012
Current TU FICO Score: 644 8/2012

Take the FICO Fitness Challenge
Message 1 of 31
30 REPLIES 30
JohnPTEX
Frequent Contributor

Re: How to get your updated credit reports free every day!!!!

I'm not sure about the others, but TU will block you from "initiating" a new dispute for about a month if you attempt to this too often


Starting Score: TU:619 (02/24/2012) - EQ:629 (02/24/2012)
Current Score: TU:632 (06/21/2012) - EQ:672 (06/21/2012)
Goal Score: 740


Take the FICO Fitness Challenge
Message 2 of 31
Anonymous
Not applicable

Re: How to get your updated credit reports free every day!!!!

Yes, TU blocks you after three online disputes.

Message 3 of 31
Kathy4NU
Frequent Contributor

Re: How to get your updated credit reports free every day!!!!

Really????  I have been checking Equifax this way almost weekly to make sure by PFD are falling off.  Maybe I better slow down and check only once or twice a month.




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Message 4 of 31
robert900rj
Member

Re: How to get your updated credit reports free every day!!!!

I only had a problem with TU when I was actually disputing. I was doing it too often.  Mod Cut.


Starting EQ FICO Score: 575 7/2012
Current EQ FICO Score: 635 8/2012
Starting TU FICO Score: 592 7/2012
Current TU FICO Score: 644 8/2012

Take the FICO Fitness Challenge
Message 5 of 31
Kathy4NU
Frequent Contributor

Re: How to get your updated credit reports free every day!!!!

I only look than sign out.

 

I did do it just this morning.  Glad I did as now I have new accounts showing up.  I have some medical bills that were reporting to two credit bureaus (not equifax).  I was able to call and negotiate the bills way down and pay off.  They didn't want to delete them but I figured once the cb were updated to stated they were paid off I would start the hippa process to get them deleted.  So this morning I logged onto Equifax and DARN IT they updated all three credit reports even though they weren't on Equifx in the first place.  A step backwards with Equifax but also a step forward with the other two.  I hope I have success getting the paid medical to be deleted.




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Message 6 of 31
Anonymous
Not applicable

Re: How to get your updated credit reports free every day!!!!

How can I access Experian? The link above will not allow you to dispute/view your file unless you have ordered a report. ;/

Message 7 of 31
JohnPTEX
Frequent Contributor

Re: How to get your updated credit reports free every day!!!!

Yep, for Experian you have to have their report number which can be found on your yearly free report they mail to you - WARNING - the one that I ordered and paid $15 for from Experian's website DID NOT have a report number - I hate Experian more each day


Starting Score: TU:619 (02/24/2012) - EQ:629 (02/24/2012)
Current Score: TU:632 (06/21/2012) - EQ:672 (06/21/2012)
Goal Score: 740


Take the FICO Fitness Challenge
Message 8 of 31
Anonymous
Not applicable

Re: How to get your updated credit reports free every day!!!!

Tell me about it! It shouldn't be this difficult for US, as Consumers whom the reports directly affect, to access our files!!!

Message 9 of 31
creditnocash
Valued Contributor

Re: How to get your updated credit reports free every day!!!!

is there a way to find out when you get your free report? 

im not sure when i did mine but it was jan/feb. or december of last year?

its saying i already have done it and i know i have, im just curious when it resets. 

i did all three on the same day. 

 

i disputed on eq and have not on the others yet. (dont remember them giving me a score.)

my previous employer spelled my name wrong and now it is associated as an alias. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 10 of 31
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