Obtaining a credit report.

[NotCranky]

I would appreciate any knowledge of best methods for getting personal credit reports or reports for clients.

How about some local options and online options to compare?

I would be looking for something that gives all three scores and account info.

I am most interested in one time reports but curious also about opinions regarding the subscription services online?

Thanks,
Rustico

[surveyor]

Are your clients providing you with the credit reports or are you trying to get the reports yourself? If your clients have web access, they can get the report themself for free by going to http://www.annualcreditreport.com.

[NotCranky]

“Are your clients providing you with the credit reports or are you trying to get the reports yourself?”

Both, I used to get them from the Apartment Owners Association and the SDAR office. I am no longer a member of the first and SDAR no longer provides the service.
The client who made the request used up the free option.I have too.

[NotCranky]

“Are your clients providing you with the credit reports or are you trying to get the reports yourself?”

Both, I used to get them from the Apartment Owners Association and the SDAR office. I am no longer a member of the first and SDAR no longer provides the service.
The client who made the request used up the free option.I have too.

[NotCranky]

“Are your clients providing you with the credit reports or are you trying to get the reports yourself?”

Both, I used to get them from the Apartment Owners Association and the SDAR office. I am no longer a member of the first and SDAR no longer provides the service.
The client who made the request used up the free option.I have too.

[NotCranky]

“Are your clients providing you with the credit reports or are you trying to get the reports yourself?”

Both, I used to get them from the Apartment Owners Association and the SDAR office. I am no longer a member of the first and SDAR no longer provides the service.
The client who made the request used up the free option.I have too.

[NotCranky]

“Are your clients providing you with the credit reports or are you trying to get the reports yourself?”

Both, I used to get them from the Apartment Owners Association and the SDAR office. I am no longer a member of the first and SDAR no longer provides the service.
The client who made the request used up the free option.I have too.

[surveyor]

Are your clients providing you with the credit reports or are you trying to get the reports yourself? If your clients have web access, they can get the report themself for free by going to http://www.annualcreditreport.com.

[surveyor]

Are your clients providing you with the credit reports or are you trying to get the reports yourself? If your clients have web access, they can get the report themself for free by going to http://www.annualcreditreport.com.

[surveyor]

Are your clients providing you with the credit reports or are you trying to get the reports yourself? If your clients have web access, they can get the report themself for free by going to http://www.annualcreditreport.com.

[surveyor]

Are your clients providing you with the credit reports or are you trying to get the reports yourself? If your clients have web access, they can get the report themself for free by going to http://www.annualcreditreport.com.

[Raybyrnes]

You can get a free credit score from Transunion on a monthly basis when you open up a Washington Mutual Credit card. I never use teh card but I routineline log in to keep up to date on credit. It will also send you an email alert of there is a change in credit of 20 point or more. Great tool to have avaiable. The credit card division was previously Providian.

[NotCranky]

That is a good tip Raybyrnes.
I was thinking about testing your suggestion about taking my own credit report mortgage shopping.

[Raybyrnes]

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.

[Enorah]

“Submitted by Raybyrnes on December 19, 2007 – 11:17pm.

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.”

That is the way we did it when we needed our credit reports. Very simple to cancel. Just need to cancel by phone.

We had to do it this way because our information was “not available” on-line through the free annual one.

[NotCranky]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

[HLS]

RUST,
Paying for your score through any agency will get you your “consumer” score. It is NOT necessarily the same score that somebody in the mortgage business will get when running your score for a loan purpose.
It is also possible that a score run for the purposes of an auto loan can be different.

There is also a new scoring system that is being used that goes up to 900 or 1000 that nobody in the world cares about.
That’s what you may get if you pay.

The standard system used for mortgages has a high of 850, (which is nearly impossible to have)

No mortgage lender will use the score that you come up with, they will need to run their own. Scores can change at any time.

Paying for a consumer score will give you an idea of where you stand, but that’s it. You really cannot accurately shop for a mortgage with a consumer score.

The advantage to running your own credit report is that it is considered a “soft” inquiry and shouldn’t affect your credit score.
Running a hard inquiry will be accurate, but could affect your score a few points, which should recover in a short period of time.

I can offer to run a tri-merge report (all 3 bureaus) with mortgage scores for you for $30 for a single or couple.

I think that you have my contact info if interested.

[NotCranky]

Thanks HLS,
I am mostly trying to get more fluent with the topic, I am a little in the stone age. Seems like there might be others on the board, or lurkers who would have questions too.

Some of the sites I have studied claimed to give a lender preferred report. haven’t tested it yet.

Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit. As for my clients, I avoid the risk of having them possibly perceive that I am steering them to a mortgage broker. In fact I have no desire to do steering of any kind. I explain options and give referrals if they ask. I know good brokers with different personalities and I generally refer where I think there will be a good match on that basis.

Anyway, Being able to talk fluently on this topic will be helpful in advocating for my clients.

[HLS]

“Some of the sites I have studied claimed to give a lender preferred report”

That’s hilarious. Are they offering free air and cholestorol free fruits and vegetables too ?

It just adds to the layers of deceit in fooling people into believing what they want to hear, to get them to part with money.

I’ve yet to have someone call me with their “lender approved report”

I can quote the rates based on the score that they give me, but I CANNOT submit an application to a lender without running a report myself, so if their score is different enough to put them in a different bracket, the entire exercise of them shopping for quotes with their preferred report was a complete waste of time.

Besides, there is a whole lot more that goes into a loan than just a credit score, but it’s a place to start.

IMO, it is an absolute waste of consumer’s money to pay for their consumer score for mortgage purposes, considering that an accurate score is available by different methods.

[NotCranky]

“lender approved report”
I didn’t say “lender approved” I said “lender preferred”, as in the format. I know what the loan originator and the underwriter have to do with a credit report, more or less.
It would be silly for me to assume you would package a loan based on a hand carried report from a client. BTW the orgiginators I have spoken face to face with are willing to explain programs and quote rate on a report I provide and even a guestimate and verbal statement of house hold finances, and if they won’t too bad for them. I have been around enough to know some brokers keep clients hostage, as best they can, by various means including the multiple credit check threat.

[NotCranky]

“lender approved report”
I didn’t say “lender approved” I said “lender preferred”, as in the format. I know what the loan originator and the underwriter have to do with a credit report, more or less.
It would be silly for me to assume you would package a loan based on a hand carried report from a client. BTW the orgiginators I have spoken face to face with are willing to explain programs and quote rate on a report I provide and even a guestimate and verbal statement of house hold finances, and if they won’t too bad for them. I have been around enough to know some brokers keep clients hostage, as best they can, by various means including the multiple credit check threat.

[NotCranky]

“lender approved report”
I didn’t say “lender approved” I said “lender preferred”, as in the format. I know what the loan originator and the underwriter have to do with a credit report, more or less.
It would be silly for me to assume you would package a loan based on a hand carried report from a client. BTW the orgiginators I have spoken face to face with are willing to explain programs and quote rate on a report I provide and even a guestimate and verbal statement of house hold finances, and if they won’t too bad for them. I have been around enough to know some brokers keep clients hostage, as best they can, by various means including the multiple credit check threat.

[NotCranky]

“lender approved report”
I didn’t say “lender approved” I said “lender preferred”, as in the format. I know what the loan originator and the underwriter have to do with a credit report, more or less.
It would be silly for me to assume you would package a loan based on a hand carried report from a client. BTW the orgiginators I have spoken face to face with are willing to explain programs and quote rate on a report I provide and even a guestimate and verbal statement of house hold finances, and if they won’t too bad for them. I have been around enough to know some brokers keep clients hostage, as best they can, by various means including the multiple credit check threat.

[NotCranky]

“lender approved report”
I didn’t say “lender approved” I said “lender preferred”, as in the format. I know what the loan originator and the underwriter have to do with a credit report, more or less.
It would be silly for me to assume you would package a loan based on a hand carried report from a client. BTW the orgiginators I have spoken face to face with are willing to explain programs and quote rate on a report I provide and even a guestimate and verbal statement of house hold finances, and if they won’t too bad for them. I have been around enough to know some brokers keep clients hostage, as best they can, by various means including the multiple credit check threat.

[HLS]

“Some of the sites I have studied claimed to give a lender preferred report”

That’s hilarious. Are they offering free air and cholestorol free fruits and vegetables too ?

It just adds to the layers of deceit in fooling people into believing what they want to hear, to get them to part with money.

I’ve yet to have someone call me with their “lender approved report”

I can quote the rates based on the score that they give me, but I CANNOT submit an application to a lender without running a report myself, so if their score is different enough to put them in a different bracket, the entire exercise of them shopping for quotes with their preferred report was a complete waste of time.

Besides, there is a whole lot more that goes into a loan than just a credit score, but it’s a place to start.

IMO, it is an absolute waste of consumer’s money to pay for their consumer score for mortgage purposes, considering that an accurate score is available by different methods.

[HLS]

“Some of the sites I have studied claimed to give a lender preferred report”

That’s hilarious. Are they offering free air and cholestorol free fruits and vegetables too ?

It just adds to the layers of deceit in fooling people into believing what they want to hear, to get them to part with money.

I’ve yet to have someone call me with their “lender approved report”

I can quote the rates based on the score that they give me, but I CANNOT submit an application to a lender without running a report myself, so if their score is different enough to put them in a different bracket, the entire exercise of them shopping for quotes with their preferred report was a complete waste of time.

Besides, there is a whole lot more that goes into a loan than just a credit score, but it’s a place to start.

IMO, it is an absolute waste of consumer’s money to pay for their consumer score for mortgage purposes, considering that an accurate score is available by different methods.

[HLS]

“Some of the sites I have studied claimed to give a lender preferred report”

That’s hilarious. Are they offering free air and cholestorol free fruits and vegetables too ?

It just adds to the layers of deceit in fooling people into believing what they want to hear, to get them to part with money.

I’ve yet to have someone call me with their “lender approved report”

I can quote the rates based on the score that they give me, but I CANNOT submit an application to a lender without running a report myself, so if their score is different enough to put them in a different bracket, the entire exercise of them shopping for quotes with their preferred report was a complete waste of time.

Besides, there is a whole lot more that goes into a loan than just a credit score, but it’s a place to start.

IMO, it is an absolute waste of consumer’s money to pay for their consumer score for mortgage purposes, considering that an accurate score is available by different methods.

[HLS]

“Some of the sites I have studied claimed to give a lender preferred report”

That’s hilarious. Are they offering free air and cholestorol free fruits and vegetables too ?

It just adds to the layers of deceit in fooling people into believing what they want to hear, to get them to part with money.

I’ve yet to have someone call me with their “lender approved report”

I can quote the rates based on the score that they give me, but I CANNOT submit an application to a lender without running a report myself, so if their score is different enough to put them in a different bracket, the entire exercise of them shopping for quotes with their preferred report was a complete waste of time.

Besides, there is a whole lot more that goes into a loan than just a credit score, but it’s a place to start.

IMO, it is an absolute waste of consumer’s money to pay for their consumer score for mortgage purposes, considering that an accurate score is available by different methods.

[Raybyrnes]

Rustico

“Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit.”

Hate to break this to you but the banker you wer sitting across from has your credit score. They get them on weekly basis. Banking systems are tied to the strength of your credit and the promotions offered by the tellers pop up based upon that information.

I would saythat the best tool form manageing your credit is the Wamu credit card and http://www.annualcreditreport.com. Wamu gives you your credit score and annual creditreport.com allows you to see the aging of your accounts.

How is this helpful.If you see that in January of 2006 you applied for 6 credit card offers, you know that they are on your report for 2 years and you are currently sitting at 710 credit than it would make sense to try and wait until February before applying for credit when those account and inquiries ahve aged past the 2 year mark.

There is a lot of other good information in there aswell.

[NotCranky]

I don’t know what you mean Ray. I don’t have an account with wamu. I walked into the loan center off of grossmont I believe it is, and talked with someone without giving my social. She explained everything to me based on what I said. If she ever looked into my credit it was after I left, w/o my authorization, because I didn’t fill out an application.
I basically told her don’t call me I’ll call you.

Thanks for your help though.

I am going to sign up for one of those monitoring programs and cancel as you and enorah had explained previously.

[Raybyrnes]

Sorry,
Thought you had an account there. Wherever you have your banking relationship , they have your credit score. They don’t need the social for that. With that said I am surprised you would walk into a wamu branch without sitting down wiht a banker from your current bank.

[NotCranky]

I bank at calcoast C.U. and had filled out a card for an appointment. They had not called yet and still haven’t. I will get back with them after the holidays.
Wamu has a program that is variable with options to lock balances at various times . I think it is called “mortgage plus”. I do need to study the program more.

[NotCranky]

I bank at calcoast C.U. and had filled out a card for an appointment. They had not called yet and still haven’t. I will get back with them after the holidays.
Wamu has a program that is variable with options to lock balances at various times . I think it is called “mortgage plus”. I do need to study the program more.

[NotCranky]

I bank at calcoast C.U. and had filled out a card for an appointment. They had not called yet and still haven’t. I will get back with them after the holidays.
Wamu has a program that is variable with options to lock balances at various times . I think it is called “mortgage plus”. I do need to study the program more.

[NotCranky]

I bank at calcoast C.U. and had filled out a card for an appointment. They had not called yet and still haven’t. I will get back with them after the holidays.
Wamu has a program that is variable with options to lock balances at various times . I think it is called “mortgage plus”. I do need to study the program more.

[NotCranky]

I bank at calcoast C.U. and had filled out a card for an appointment. They had not called yet and still haven’t. I will get back with them after the holidays.
Wamu has a program that is variable with options to lock balances at various times . I think it is called “mortgage plus”. I do need to study the program more.

[Raybyrnes]

Sorry,
Thought you had an account there. Wherever you have your banking relationship , they have your credit score. They don’t need the social for that. With that said I am surprised you would walk into a wamu branch without sitting down wiht a banker from your current bank.

[Raybyrnes]

Sorry,
Thought you had an account there. Wherever you have your banking relationship , they have your credit score. They don’t need the social for that. With that said I am surprised you would walk into a wamu branch without sitting down wiht a banker from your current bank.

[Raybyrnes]

Sorry,
Thought you had an account there. Wherever you have your banking relationship , they have your credit score. They don’t need the social for that. With that said I am surprised you would walk into a wamu branch without sitting down wiht a banker from your current bank.

[Raybyrnes]

Sorry,
Thought you had an account there. Wherever you have your banking relationship , they have your credit score. They don’t need the social for that. With that said I am surprised you would walk into a wamu branch without sitting down wiht a banker from your current bank.

[NotCranky]

I don’t know what you mean Ray. I don’t have an account with wamu. I walked into the loan center off of grossmont I believe it is, and talked with someone without giving my social. She explained everything to me based on what I said. If she ever looked into my credit it was after I left, w/o my authorization, because I didn’t fill out an application.
I basically told her don’t call me I’ll call you.

Thanks for your help though.

I am going to sign up for one of those monitoring programs and cancel as you and enorah had explained previously.

[NotCranky]

I don’t know what you mean Ray. I don’t have an account with wamu. I walked into the loan center off of grossmont I believe it is, and talked with someone without giving my social. She explained everything to me based on what I said. If she ever looked into my credit it was after I left, w/o my authorization, because I didn’t fill out an application.
I basically told her don’t call me I’ll call you.

Thanks for your help though.

I am going to sign up for one of those monitoring programs and cancel as you and enorah had explained previously.

[NotCranky]

I don’t know what you mean Ray. I don’t have an account with wamu. I walked into the loan center off of grossmont I believe it is, and talked with someone without giving my social. She explained everything to me based on what I said. If she ever looked into my credit it was after I left, w/o my authorization, because I didn’t fill out an application.
I basically told her don’t call me I’ll call you.

Thanks for your help though.

I am going to sign up for one of those monitoring programs and cancel as you and enorah had explained previously.

[NotCranky]

I don’t know what you mean Ray. I don’t have an account with wamu. I walked into the loan center off of grossmont I believe it is, and talked with someone without giving my social. She explained everything to me based on what I said. If she ever looked into my credit it was after I left, w/o my authorization, because I didn’t fill out an application.
I basically told her don’t call me I’ll call you.

Thanks for your help though.

I am going to sign up for one of those monitoring programs and cancel as you and enorah had explained previously.

[Raybyrnes]

Rustico

“Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit.”

Hate to break this to you but the banker you wer sitting across from has your credit score. They get them on weekly basis. Banking systems are tied to the strength of your credit and the promotions offered by the tellers pop up based upon that information.

I would saythat the best tool form manageing your credit is the Wamu credit card and http://www.annualcreditreport.com. Wamu gives you your credit score and annual creditreport.com allows you to see the aging of your accounts.

How is this helpful.If you see that in January of 2006 you applied for 6 credit card offers, you know that they are on your report for 2 years and you are currently sitting at 710 credit than it would make sense to try and wait until February before applying for credit when those account and inquiries ahve aged past the 2 year mark.

There is a lot of other good information in there aswell.

[Raybyrnes]

Rustico

“Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit.”

Hate to break this to you but the banker you wer sitting across from has your credit score. They get them on weekly basis. Banking systems are tied to the strength of your credit and the promotions offered by the tellers pop up based upon that information.

I would saythat the best tool form manageing your credit is the Wamu credit card and http://www.annualcreditreport.com. Wamu gives you your credit score and annual creditreport.com allows you to see the aging of your accounts.

How is this helpful.If you see that in January of 2006 you applied for 6 credit card offers, you know that they are on your report for 2 years and you are currently sitting at 710 credit than it would make sense to try and wait until February before applying for credit when those account and inquiries ahve aged past the 2 year mark.

There is a lot of other good information in there aswell.

[Raybyrnes]

Rustico

“Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit.”

Hate to break this to you but the banker you wer sitting across from has your credit score. They get them on weekly basis. Banking systems are tied to the strength of your credit and the promotions offered by the tellers pop up based upon that information.

I would saythat the best tool form manageing your credit is the Wamu credit card and http://www.annualcreditreport.com. Wamu gives you your credit score and annual creditreport.com allows you to see the aging of your accounts.

How is this helpful.If you see that in January of 2006 you applied for 6 credit card offers, you know that they are on your report for 2 years and you are currently sitting at 710 credit than it would make sense to try and wait until February before applying for credit when those account and inquiries ahve aged past the 2 year mark.

There is a lot of other good information in there aswell.

[Raybyrnes]

Rustico

“Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit.”

Hate to break this to you but the banker you wer sitting across from has your credit score. They get them on weekly basis. Banking systems are tied to the strength of your credit and the promotions offered by the tellers pop up based upon that information.

I would saythat the best tool form manageing your credit is the Wamu credit card and http://www.annualcreditreport.com. Wamu gives you your credit score and annual creditreport.com allows you to see the aging of your accounts.

How is this helpful.If you see that in January of 2006 you applied for 6 credit card offers, you know that they are on your report for 2 years and you are currently sitting at 710 credit than it would make sense to try and wait until February before applying for credit when those account and inquiries ahve aged past the 2 year mark.

There is a lot of other good information in there aswell.

[NotCranky]

Thanks HLS,
I am mostly trying to get more fluent with the topic, I am a little in the stone age. Seems like there might be others on the board, or lurkers who would have questions too.

Some of the sites I have studied claimed to give a lender preferred report. haven’t tested it yet.

Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit. As for my clients, I avoid the risk of having them possibly perceive that I am steering them to a mortgage broker. In fact I have no desire to do steering of any kind. I explain options and give referrals if they ask. I know good brokers with different personalities and I generally refer where I think there will be a good match on that basis.

Anyway, Being able to talk fluently on this topic will be helpful in advocating for my clients.

[NotCranky]

Thanks HLS,
I am mostly trying to get more fluent with the topic, I am a little in the stone age. Seems like there might be others on the board, or lurkers who would have questions too.

Some of the sites I have studied claimed to give a lender preferred report. haven’t tested it yet.

Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit. As for my clients, I avoid the risk of having them possibly perceive that I am steering them to a mortgage broker. In fact I have no desire to do steering of any kind. I explain options and give referrals if they ask. I know good brokers with different personalities and I generally refer where I think there will be a good match on that basis.

Anyway, Being able to talk fluently on this topic will be helpful in advocating for my clients.

[NotCranky]

Thanks HLS,
I am mostly trying to get more fluent with the topic, I am a little in the stone age. Seems like there might be others on the board, or lurkers who would have questions too.

Some of the sites I have studied claimed to give a lender preferred report. haven’t tested it yet.

Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit. As for my clients, I avoid the risk of having them possibly perceive that I am steering them to a mortgage broker. In fact I have no desire to do steering of any kind. I explain options and give referrals if they ask. I know good brokers with different personalities and I generally refer where I think there will be a good match on that basis.

Anyway, Being able to talk fluently on this topic will be helpful in advocating for my clients.

[NotCranky]

Thanks HLS,
I am mostly trying to get more fluent with the topic, I am a little in the stone age. Seems like there might be others on the board, or lurkers who would have questions too.

Some of the sites I have studied claimed to give a lender preferred report. haven’t tested it yet.

Regardless of the weaknesses in my approach, I did feel more empowered going to wamu and not allowing the loan originator to pull my credit. As for my clients, I avoid the risk of having them possibly perceive that I am steering them to a mortgage broker. In fact I have no desire to do steering of any kind. I explain options and give referrals if they ask. I know good brokers with different personalities and I generally refer where I think there will be a good match on that basis.

Anyway, Being able to talk fluently on this topic will be helpful in advocating for my clients.

[HLS]

RUST,
Paying for your score through any agency will get you your “consumer” score. It is NOT necessarily the same score that somebody in the mortgage business will get when running your score for a loan purpose.
It is also possible that a score run for the purposes of an auto loan can be different.

There is also a new scoring system that is being used that goes up to 900 or 1000 that nobody in the world cares about.
That’s what you may get if you pay.

The standard system used for mortgages has a high of 850, (which is nearly impossible to have)

No mortgage lender will use the score that you come up with, they will need to run their own. Scores can change at any time.

Paying for a consumer score will give you an idea of where you stand, but that’s it. You really cannot accurately shop for a mortgage with a consumer score.

The advantage to running your own credit report is that it is considered a “soft” inquiry and shouldn’t affect your credit score.
Running a hard inquiry will be accurate, but could affect your score a few points, which should recover in a short period of time.

I can offer to run a tri-merge report (all 3 bureaus) with mortgage scores for you for $30 for a single or couple.

I think that you have my contact info if interested.

[HLS]

RUST,
Paying for your score through any agency will get you your “consumer” score. It is NOT necessarily the same score that somebody in the mortgage business will get when running your score for a loan purpose.
It is also possible that a score run for the purposes of an auto loan can be different.

There is also a new scoring system that is being used that goes up to 900 or 1000 that nobody in the world cares about.
That’s what you may get if you pay.

The standard system used for mortgages has a high of 850, (which is nearly impossible to have)

No mortgage lender will use the score that you come up with, they will need to run their own. Scores can change at any time.

Paying for a consumer score will give you an idea of where you stand, but that’s it. You really cannot accurately shop for a mortgage with a consumer score.

The advantage to running your own credit report is that it is considered a “soft” inquiry and shouldn’t affect your credit score.
Running a hard inquiry will be accurate, but could affect your score a few points, which should recover in a short period of time.

I can offer to run a tri-merge report (all 3 bureaus) with mortgage scores for you for $30 for a single or couple.

I think that you have my contact info if interested.

[HLS]

RUST,
Paying for your score through any agency will get you your “consumer” score. It is NOT necessarily the same score that somebody in the mortgage business will get when running your score for a loan purpose.
It is also possible that a score run for the purposes of an auto loan can be different.

There is also a new scoring system that is being used that goes up to 900 or 1000 that nobody in the world cares about.
That’s what you may get if you pay.

The standard system used for mortgages has a high of 850, (which is nearly impossible to have)

No mortgage lender will use the score that you come up with, they will need to run their own. Scores can change at any time.

Paying for a consumer score will give you an idea of where you stand, but that’s it. You really cannot accurately shop for a mortgage with a consumer score.

The advantage to running your own credit report is that it is considered a “soft” inquiry and shouldn’t affect your credit score.
Running a hard inquiry will be accurate, but could affect your score a few points, which should recover in a short period of time.

I can offer to run a tri-merge report (all 3 bureaus) with mortgage scores for you for $30 for a single or couple.

I think that you have my contact info if interested.

[HLS]

RUST,
Paying for your score through any agency will get you your “consumer” score. It is NOT necessarily the same score that somebody in the mortgage business will get when running your score for a loan purpose.
It is also possible that a score run for the purposes of an auto loan can be different.

There is also a new scoring system that is being used that goes up to 900 or 1000 that nobody in the world cares about.
That’s what you may get if you pay.

The standard system used for mortgages has a high of 850, (which is nearly impossible to have)

No mortgage lender will use the score that you come up with, they will need to run their own. Scores can change at any time.

Paying for a consumer score will give you an idea of where you stand, but that’s it. You really cannot accurately shop for a mortgage with a consumer score.

The advantage to running your own credit report is that it is considered a “soft” inquiry and shouldn’t affect your credit score.
Running a hard inquiry will be accurate, but could affect your score a few points, which should recover in a short period of time.

I can offer to run a tri-merge report (all 3 bureaus) with mortgage scores for you for $30 for a single or couple.

I think that you have my contact info if interested.

[Enorah]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

We each opened our own accounts, as we are not married (legally at least) and canceled after one month. Cost each of us $11.95 (I think, my memory is hazy about that for some odd reason). The only reason we paid is because we were in the process of moving and just kept put off calling until our free 30 days had expired.

So, while on for 30 days we did each receive email notifications any time there was any activity regarding our credit.

We ran the reports ourselves to offer to potential landlords.

Well turns out none of them wanted our reports, they all had to run them themselves, as there are so many scammers out there.

We did get to see our credit scores though which was good info to have.

The only reason I can see keeping the service would be if you were concerned about identity theft, or if you were working at resolving a credit issue and needed access to your information on a regular basis.

[Enorah]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

We each opened our own accounts, as we are not married (legally at least) and canceled after one month. Cost each of us $11.95 (I think, my memory is hazy about that for some odd reason). The only reason we paid is because we were in the process of moving and just kept put off calling until our free 30 days had expired.

So, while on for 30 days we did each receive email notifications any time there was any activity regarding our credit.

We ran the reports ourselves to offer to potential landlords.

Well turns out none of them wanted our reports, they all had to run them themselves, as there are so many scammers out there.

We did get to see our credit scores though which was good info to have.

The only reason I can see keeping the service would be if you were concerned about identity theft, or if you were working at resolving a credit issue and needed access to your information on a regular basis.

[Enorah]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

We each opened our own accounts, as we are not married (legally at least) and canceled after one month. Cost each of us $11.95 (I think, my memory is hazy about that for some odd reason). The only reason we paid is because we were in the process of moving and just kept put off calling until our free 30 days had expired.

So, while on for 30 days we did each receive email notifications any time there was any activity regarding our credit.

We ran the reports ourselves to offer to potential landlords.

Well turns out none of them wanted our reports, they all had to run them themselves, as there are so many scammers out there.

We did get to see our credit scores though which was good info to have.

The only reason I can see keeping the service would be if you were concerned about identity theft, or if you were working at resolving a credit issue and needed access to your information on a regular basis.

[Enorah]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

We each opened our own accounts, as we are not married (legally at least) and canceled after one month. Cost each of us $11.95 (I think, my memory is hazy about that for some odd reason). The only reason we paid is because we were in the process of moving and just kept put off calling until our free 30 days had expired.

So, while on for 30 days we did each receive email notifications any time there was any activity regarding our credit.

We ran the reports ourselves to offer to potential landlords.

Well turns out none of them wanted our reports, they all had to run them themselves, as there are so many scammers out there.

We did get to see our credit scores though which was good info to have.

The only reason I can see keeping the service would be if you were concerned about identity theft, or if you were working at resolving a credit issue and needed access to your information on a regular basis.

[Enorah]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

We each opened our own accounts, as we are not married (legally at least) and canceled after one month. Cost each of us $11.95 (I think, my memory is hazy about that for some odd reason). The only reason we paid is because we were in the process of moving and just kept put off calling until our free 30 days had expired.

So, while on for 30 days we did each receive email notifications any time there was any activity regarding our credit.

We ran the reports ourselves to offer to potential landlords.

Well turns out none of them wanted our reports, they all had to run them themselves, as there are so many scammers out there.

We did get to see our credit scores though which was good info to have.

The only reason I can see keeping the service would be if you were concerned about identity theft, or if you were working at resolving a credit issue and needed access to your information on a regular basis.

[NotCranky]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

[NotCranky]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

[NotCranky]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

[NotCranky]

Ray that sounds like the thing do do. I saw those options and actually was having a hard time finding one that didn’t include the membership. I found a “one time” report that was $47.

Enorah you said, “that is the way WE did it”. Did you and your partner each open a separate trial account, or did one account handle inquiries for both?

Ray & Enorah:

You both recommend cancelling. Could you think of any circumstances for which keeping the monitoring service might be a good idea?

[Enorah]

“Submitted by Raybyrnes on December 19, 2007 – 11:17pm.

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.”

That is the way we did it when we needed our credit reports. Very simple to cancel. Just need to cancel by phone.

We had to do it this way because our information was “not available” on-line through the free annual one.

[Enorah]

“Submitted by Raybyrnes on December 19, 2007 – 11:17pm.

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.”

That is the way we did it when we needed our credit reports. Very simple to cancel. Just need to cancel by phone.

We had to do it this way because our information was “not available” on-line through the free annual one.

[Enorah]

“Submitted by Raybyrnes on December 19, 2007 – 11:17pm.

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.”

That is the way we did it when we needed our credit reports. Very simple to cancel. Just need to cancel by phone.

We had to do it this way because our information was “not available” on-line through the free annual one.

[Enorah]

“Submitted by Raybyrnes on December 19, 2007 – 11:17pm.

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.”

That is the way we did it when we needed our credit reports. Very simple to cancel. Just need to cancel by phone.

We had to do it this way because our information was “not available” on-line through the free annual one.

[Raybyrnes]

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.

[Raybyrnes]

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.

[Raybyrnes]

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.

[Raybyrnes]

you can also go to freecredit report.com and subscribe for a 30 day trial of there credit monitoring service. This will actually give you a merged credit score along with reports form teh 3 bureasu but it does require that you provide credit card info in the event that you don’t cancel. Bottom line, requires a little effort but accomplishes what you are looking for.

[NotCranky]

That is a good tip Raybyrnes.
I was thinking about testing your suggestion about taking my own credit report mortgage shopping.

[NotCranky]

That is a good tip Raybyrnes.
I was thinking about testing your suggestion about taking my own credit report mortgage shopping.

[NotCranky]

That is a good tip Raybyrnes.
I was thinking about testing your suggestion about taking my own credit report mortgage shopping.

[NotCranky]

That is a good tip Raybyrnes.
I was thinking about testing your suggestion about taking my own credit report mortgage shopping.

[Raybyrnes]

You can get a free credit score from Transunion on a monthly basis when you open up a Washington Mutual Credit card. I never use teh card but I routineline log in to keep up to date on credit. It will also send you an email alert of there is a change in credit of 20 point or more. Great tool to have avaiable. The credit card division was previously Providian.

[Raybyrnes]

You can get a free credit score from Transunion on a monthly basis when you open up a Washington Mutual Credit card. I never use teh card but I routineline log in to keep up to date on credit. It will also send you an email alert of there is a change in credit of 20 point or more. Great tool to have avaiable. The credit card division was previously Providian.

[Raybyrnes]

You can get a free credit score from Transunion on a monthly basis when you open up a Washington Mutual Credit card. I never use teh card but I routineline log in to keep up to date on credit. It will also send you an email alert of there is a change in credit of 20 point or more. Great tool to have avaiable. The credit card division was previously Providian.

[Raybyrnes]

You can get a free credit score from Transunion on a monthly basis when you open up a Washington Mutual Credit card. I never use teh card but I routineline log in to keep up to date on credit. It will also send you an email alert of there is a change in credit of 20 point or more. Great tool to have avaiable. The credit card division was previously Providian.

[Author]

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