Obtaining a credit report.

[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.

[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.

[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.

[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]

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.

[Author]

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