[Rhonda]

What is you process for checking your credit report? Never pulled it before and want to clean up some stuff to improve score.

Managing your credit report is essential for maintaining a healthy financial profile. Many people check their reports regularly to ensure accuracy and protect themselves from identity theft.

Some use free credit monitoring services, while others request reports directly from credit bureaus.

When it comes to cleaning up errors or outdated information, different strategies work for different people. Some dispute inaccuracies online, while others contact creditors directly to resolve issues.

Paying off outstanding debts, negotiating settlements, or requesting goodwill adjustments can also improve a credit report over time.

What steps do you take to review and fix your credit report? Do you rely on specific tools or services?

Have you ever successfully disputed an error? Share your experiences and tips!

[Marcia]

Depends what country you live in, I’d imagine. Some banking apps have a credit score included.

[Sheryl]

Look online for the free credit report from the government. I don’t know if you see your score but you will see everything that is reported to see if there are inaccuracies or accounts you don’t recognize

[James]

AnnualCreditreport dot com By law, you can pull your report for free.

Note this is the report and not the score.

[Cameron]

Equifax for sure I had to delete 3 cars off my report base on address and I dobt drive

[Virginia]

I think Equifax will provide you with a pdf? To just check your numbers, Credit Karma is a terrific app

[Tom]

Yea credit Karma.. Its free and secure.. They do make $$ by trying to pass on Credit card and loan offers..

The only plus thing is if you are looking for a debt consolidation loan they can show you different offers without a hard credit hit.

[Ellen]

if you have credit cards and you do online banking, most of them give it for free. Also, Credit Karma is free.

I have been using both features for many years and it’s safe and free.

[Roostie]

Do directly to the source
Each bureau has a website

You set up your account so YOU access it
With your username and password

[Clarsan]

I see my credit score through my credit union and through my credit card company.

The interesting thing is that the score I see through the credit card company is always at least 30 points higher then the score I see through my credit union.

[Ancella]

A lot of credit cards show your score when you login to your online account, capital one, discover, Amex

[Carol]

I like Credit Karma too. It’s easy to use and understand.

If it’s the first time this year, you can get a complete report for free, and then just check everything occasionally.

[Renée]

You can obtain a free annual credit report from all three credit reporting companies each year.

I usually pull a report at the beginning of the year and use Credit Karma throughout the year.

Credit Karma is reliable but the credit rating can be off -/+ a couple of points and will not provide your Experian credit score.

Which is what most lenders use when deciding to give you a loan.

[Mary]

My bank. I’ve locked all three credit reporting bureaus. I only unlocked if I’m applying for a loan at my bank.

[Joyce]

My bank now has the credit score on my banking page, also use Credit Karma

[Author]

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