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Been Mia a bit..how do I pull reports.

The last post in this topic was posted 1313 days ago. 

 

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I went to Myfico.com and they gave me an error and asked if a mail in a request. Went through annual credit repirt....same story..system issues, download a formonth and mail it in.

 

CREDIT CHECK TOTAL gave me a score eon each but nothing else unless I did it wrong. CREDITKARMA is also giving me issues.

 

How can I view reports and what is on those reports? I am trying to get started to clean up.

 

The reports ingot show to new around 550 which is crazy seeing how I pay a car payment on time since Augustand most my stuff should have fallen off. I have a big feeling it has been reaged😝😝😝😝grrrrrrrr.

 

I was 572 when I bought my used car in June....I show 550 now,

 

Anyways anywhere I can look at reports in full?

 

 

 

Soooooooo aggravated.

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Hi,

 

You are entitled to a free report yearly from each of the big three. You can go to annualcreditreport.com to request these. If im not mistaken you can also call each of the bureaus to request the free reports if any adverse action has been taken against you. You can pay around $11 for each of your reports as well. The numbers to call for these are listed in my signature. When you get your reports, post back and the experts here will help you to formulate a plan to attack your negatives.

 

 

Good luck and Happy New Year,

 

Tachy

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What error is annualcreditreport.com giving you? Sometimes an error in address reporting can make your report almost impossible to get through them. Mailing in documentation is a pain, but it might be the only way.

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A couple possibilities -

 

Are you getting as far as the identity questions? ("Your report shows a mortgage from 3/2013. Is the monthly payment ...."). If yes, you might not be giving the answer they're expecting on one of the questions. My dad's credit files used to incorrectly show a former address in Hawaii (he never lived in Hawaii). The Hawaii address kept popping up in these ID verification questions, and when he'd answer "never lived there", he'd fail the verification, and have to mail in his ID to get his reports. Especially before you've done your report cleanup, these ID questions can reference accounts and addresses that aren't yours - which gets doubly confusing because they'll also ask about made up accounts that they know aren't yours, looking for a "None of the above" answer. If you're caught in this mess, you might have to mail in a copy of your DL and a recent utility bill to get the first copy of your reports. Once you've got a report in hand, you can refer to it the next time you get the verification questions.

 

Another possibility - you said that in one of your attempts, you got a message about "too new". Do you have any credit cards currently, or in the past 7 years? If your only credit account is a loan from a sub-prime lender, there's a good chance that they're not reporting to the CRA's, and you're credit file is "empty"

Edited by JeffeVerde

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