Using Suze's FicoKit for others...

[betsyboop]

After I purchased the kit, I realized that you get three fico scores not three scores from each of the three credit bureaus (Unless I'm still confused).  At any rate, how do I use the scores/kit for someone else?  I didn't want to click on anything for fear of losing the three reports I have to use.  The person I'm trying to help needs the kit more than me and I bought it for her.  She's not too computer savvy and apparently...I'm not either

Help!

[Anonymous]

I believe when you sign up for the kit it asks you all the questions to verify your identity?  I did mine a month ago so I don't quite remember.  If that was the case when you signed up your best bet is probably to call customer service tomorrow and explain that you didn't mean to purchase the kit for yourself - but rather that you wanted to get it as a gift to give someone else, and didn't realize the questions confirming your identity linked it to you.

It's kind of a sticky situation since you're not really supposed to pull up other people's credit info, even if it's for a good reason so I'm not too sure what they'll say

Can't hurt to call though!

[Anonymous]

Oh also, the 2nd step it gives you after "reviewing your reports" is "dispute" and it says dispute anything you feel is inaccurate.

DON'T DO THAT!

lol especially to collections and things like that, because they can then be updated to show as brand new if they're validated and it lets the collection agencies know that you've been made aware of the debt and starts your 30 day timer to request validation.

I didn't know better and had to rush to send out a bunch of letters all at once that could end up costing me a pretty penny to repay in the same general timeframe if any of the CA's get feisty and decide to come after me now.