Ilecs beat me to it this time!!! 
We take turns on who can post it first!
Also...do you know how to check for PM's? (Private messages)
@Chala wrote:
@llecs wrote:IMO, none. I'd save up and get both at once ($23-$24 in total for both with the right discount code). One thing you should do now, if you haven't done so, is to pull your FREE reports from annualcreditreport.com. Ideally you want the full reports before starting any repair. The reports pulled from annualcreditreport or directly from the CRAs have more info than the ones one here or via other third-party sources.
First off sorry but what does IMO mean? Secondly wont pulling form annualcreditreport.com hurt my score? What the big deal about doing one pull from myfico, instead of both? Just a few points perhaps right?
IMO.....In My Opinion
Pulling your own report from here, from the annual report site, or even from a 3rd party site, like Credit Check Total will NOT hurt your scores, or hurt you in any possible way.
I use Credit Check Total & pull my reports every day & no one knows this but me. Well, and everyone reading this, of course! 
When you buy your FICO's here, you will not lose points...ever.
@BungalowMo wrote:Greetings Chala!
We are all glad you came here, rather than paying someone to fix your credit. Some companies are legit, but separating them from the wolves is a time consuming process. It' better to spend the time here & we'll all help you out for FREE!
Before even getting your scores, have you gotten your yearly free reports? By law, you are entitled to 1 free report from all 3 of the CRA's every 12 months.
You can check them at the Free Annual Report link in my signature block. Once you have all 3, come back & give us the good, the bad, and the ugly! (or not...you might be lookin good!) These sites will offer scores for you to purchase....don't do it!!
Mo
Mo thanks so much, i have not gotten free reports but will do this first, but again won't this hurt my score?
@BungalowMo wrote:Ilecs beat me to it this time!!!
We take turns on who can post it first!
Also...do you know how to check for PM's? (Private messages)
I do forums all over the internet, so yes i know how to check for PM's
BungalowMo wrote
IMO.....In My Opinion
Pulling your own report from here, from the annual report site, or even from a 3rd party site, like Credit Check Total will NOT hurt your scores, or hurt you in any possible way.
I use Credit Check Total & pull my reports every day & no one knows this but me. Well, and everyone reading this, of course!
When you buy your FICO's here, you will not lose points...ever.
Thanks Mo
Since you are new to this, I highly recommend reading this post --> Credit Scoring 101
Even if you just read the initial post, you will gain more info than you can imagine. If you're up for more info, read all the following Q & A's. You simply cannot have too much info. Especially when you are in the credit repair phase.
@Chala wrote:Thanks again Mo, one question when i post my info, just post the score or everything, if everything that will be quite embarassing!
Well, when you get the 3 free reports, remember...don't buy the scores there. So after you get the 3, post whatever baddies you have...sort of like this:
Reporting on all 3...
company X
60 days late in March 07...nothing bad since...bla bla
Company X.1
Charge Off as of xx/xx/xxxx
Or whatever you find. Believe me when I tell you...there is absolutely nothing that you will post that will shock anyone. We've collectively been through it all. In '05 I had an average of 13 negative accts reporting on each of the 3! My EQ FICO was around 530-ish. I was circling the drain! Believe me.
You have done nothing that will get you chastised here. We don't point fingers. We do point you in the right direction for help. And the first step was coming here, because we all want to see everyone in the high 700's and beyond!
