Results 1 to 14 of 14

Thread: credit check

  1. #1
    Pro
    Points: 52,704, Level: 71
    Level completed: 11%, Points required for next Level: 1,346
    Overall activity: 0%
    Achievements:
    Veteran50000 Experience Points
    Tank's Avatar
    Join Date
    Sep 2008
    Location
    Niceville, FL
    Posts
    2,293
    Points
    52,704
    Level
    71
    Thumbs Up
    Received: 14
    Given: 19

    credit check

    Has anybody used an online credit check? I want to check my credit scores b/c I think I have had some fraudulent credit cards opened in my name.

    So, any advice would help in this matter. Thanks.



  2. #2
    Legend
    Points: 145,656, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 24.0%
    Achievements:
    SocialVeteranCreated Album pictures50000 Experience Points

    Join Date
    Oct 2007
    Location
    Marshalltown
    Posts
    10,478
    Points
    145,656
    Level
    100
    Thumbs Up
    Received: 379
    Given: 265

    Re: credit check

    The Federal Trade Commission's Information on Free Annual Credit Reports


    Do NOT use freecreditreport.com. It's a scam.



  3. #3
    Starter
    Points: 11,924, Level: 32
    Level completed: 97%, Points required for next Level: 26
    Overall activity: 1.0%
    Achievements:
    Veteran10000 Experience Points
    CyTom's Avatar
    Join Date
    Mar 2006
    Location
    Des Moines
    Posts
    710
    Points
    11,924
    Level
    32
    Thumbs Up
    Received: 2
    Given: 0

    Re: credit check

    Go to AnnualCreditReport.com to get all 3 for free. They will try to sell your actual score, but refuse and you will still get the report with all of the open accounts.



  4. #4
    Starter
    Points: 16,845, Level: 39
    Level completed: 50%, Points required for next Level: 405
    Overall activity: 2.0%
    Achievements:
    Veteran10000 Experience Points

    Join Date
    Apr 2006
    Posts
    762
    Points
    16,845
    Level
    39
    Thumbs Up
    Received: 9
    Given: 0

    Re: credit check

    Quote Originally Posted by Tank View Post
    Has anybody used an online credit check? I want to check my credit scores b/c I think I have had some fraudulent credit cards opened in my name.

    So, any advice would help in this matter. Thanks.
    After you check, have them put a fraud alert on your account. When you request one, it will be put on all three. I have done this twice, when I suspected my personal information was comprimised.

    My score went down 8 points last year when I closed a credit card I did not use.



  5. #5
    All-Star
    Points: 21,776, Level: 45
    Level completed: 14%, Points required for next Level: 774
    Overall activity: 1.0%
    Achievements:
    10000 Experience PointsVeteran
    Three4Cy's Avatar
    Join Date
    Jan 2010
    Location
    West Des Moines
    Posts
    1,988
    Points
    21,776
    Level
    45
    Thumbs Up
    Received: 56
    Given: 46

    Re: credit check

    Quote Originally Posted by NebrClone View Post
    After you check, have them put a fraud alert on your account. When you request one, it will be put on all three. I have done this twice, when I suspected my personal information was comprimised.

    My score went down 8 points last year when I closed a credit card I did not use.

    Just remember the fraud alert is there, a lot of people put these on and then forget they are there, then they apply for credit and have forgotten it was on there and forgot the reason they put it there. A creditor cannot remove a fraud alert, so make sure to remember the information from the fraud alert.



  6. #6
    Starter
    Points: 16,845, Level: 39
    Level completed: 50%, Points required for next Level: 405
    Overall activity: 2.0%
    Achievements:
    Veteran10000 Experience Points

    Join Date
    Apr 2006
    Posts
    762
    Points
    16,845
    Level
    39
    Thumbs Up
    Received: 9
    Given: 0

    Re: credit check

    Quote Originally Posted by Three4Cy View Post
    Just remember the fraud alert is there, a lot of people put these on and then forget they are there, then they apply for credit and have forgotten it was on there and forgot the reason they put it there. A creditor cannot remove a fraud alert, so make sure to remember the information from the fraud alert.
    Fraud alert is only good for 90 days.



  7. #7
    Legend
    Points: 213,582, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 9.0%
    Achievements:
    SocialCreated Album picturesVeteran50000 Experience Points
    dmclone's Avatar
    Join Date
    Oct 2006
    Location
    50131
    Posts
    14,198
    Points
    213,582
    Level
    100
    Thumbs Up
    Received: 531
    Given: 798

    Re: credit check

    Also keep in mind that the score part isn't free.



  8. #8
    All-Star
    Points: 21,776, Level: 45
    Level completed: 14%, Points required for next Level: 774
    Overall activity: 1.0%
    Achievements:
    10000 Experience PointsVeteran
    Three4Cy's Avatar
    Join Date
    Jan 2010
    Location
    West Des Moines
    Posts
    1,988
    Points
    21,776
    Level
    45
    Thumbs Up
    Received: 56
    Given: 46

    Re: credit check

    Quote Originally Posted by NebrClone View Post
    Fraud alert is only good for 90 days.
    Correct the initial alert is good for 90 days, you can extend it and go up to seven years. Also if you do this, you will need to give them a telephone number to contact you if someone is trying to open credit in your name.

    Credit Freeze / Fraud Alert



  9. #9
    All-Star
    Points: 17,966, Level: 40
    Level completed: 90%, Points required for next Level: 84
    Overall activity: 1.0%
    Achievements:
    Veteran10000 Experience Points
    cdekovic's Avatar
    Join Date
    Mar 2006
    Location
    Ames
    Posts
    1,044
    Points
    17,966
    Level
    40
    Thumbs Up
    Received: 17
    Given: 3

    Re: credit check

    Be careful when you go into these sights. You can get a free credit report but only if you provide a credit card AND get the $14.95 per month service you just bought. YOu can cancel within 7 days otherwise they charge your credit card. I ended up in a battle with one of these sights and ended up going to the Better Business Bureau to get 4 months worth of charges credited back to my credit card.


    Hit it hard, every yard

  10. #10
    Legend
    Points: 145,656, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 24.0%
    Achievements:
    SocialVeteranCreated Album pictures50000 Experience Points

    Join Date
    Oct 2007
    Location
    Marshalltown
    Posts
    10,478
    Points
    145,656
    Level
    100
    Thumbs Up
    Received: 379
    Given: 265

    Re: credit check

    Be careful when you go into these sights. You can get a free credit report but only if you provide a credit card AND get the $14.95 per month service you just bought. YOu can cancel within 7 days otherwise they charge your credit card. I ended up in a battle with one of these sights and ended up going to the Better Business Bureau to get 4 months worth of charges credited back to my credit card.
    Not if you use AnnualCreditReport.com. It's the other ones you have to worry about.



  11. #11
    Speechless
    Points: 426,055, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 100.0%
    Achievements:
    SocialOverdriveVeteran50000 Experience Points
    Wesley's Avatar
    Join Date
    Apr 2006
    Location
    Omaha
    Posts
    63,543
    Points
    426,055
    Level
    100
    Thumbs Up
    Received: 1,241
    Given: 895

    Re: credit check

    Quote Originally Posted by 1100011CS View Post
    They ask for your credit card number first.


    Let my Fred's Posse Ride: Georges, 3sus Naz, Dustin, Bryce, Abdel, Monte, Matt, and Jameel.

  12. #12
    Speechless
    Points: 566,260, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 3.0%
    Achievements:
    Social50000 Experience PointsOverdriveVeteranRecommendation Second Class
    ISUAgronomist's Avatar
    Join Date
    Nov 2009
    Location
    Close Enough, IA
    Posts
    21,703
    Points
    566,260
    Level
    100
    Thumbs Up
    Received: 582
    Given: 303

    Re: credit check

    Quote Originally Posted by 1100011CS View Post
    Not if you use AnnualCreditReport.com. It's the other ones you have to worry about.
    This.



  13. #13
    Speechless
    Points: 426,055, Level: 100
    Level completed: 0%, Points required for next Level: 0
    Overall activity: 100.0%
    Achievements:
    SocialOverdriveVeteran50000 Experience Points
    Wesley's Avatar
    Join Date
    Apr 2006
    Location
    Omaha
    Posts
    63,543
    Points
    426,055
    Level
    100
    Thumbs Up
    Received: 1,241
    Given: 895

    Re: credit check

    I just did it for annualcreditreport.com. The most they do is try to sell you the score, but. if you have green ok credit, you do not need the score. I saw no errors in mine and, if I did, I would send them a note to fix. Experian seemed the best.


    Let my Fred's Posse Ride: Georges, 3sus Naz, Dustin, Bryce, Abdel, Monte, Matt, and Jameel.

  14. #14
    Addict
    Points: 60,232, Level: 76
    Level completed: 12%, Points required for next Level: 1,418
    Overall activity: 5.0%
    Achievements:
    Veteran50000 Experience Points
    simply1's Avatar
    Join Date
    Jun 2009
    Location
    Salt Lake City
    Posts
    5,625
    Points
    60,232
    Level
    76
    Thumbs Up
    Received: 77
    Given: 7

    Re: credit check

    For score, the only real scores for two of the agencies is from myfico.com.


    I don't do signatures. Blondes, brunettes, and red heads are a different story.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
  • TV: TBD
  • FOOTBALL: Iowa State vs. UNI
  • August 29, 2015
  • 06:00 PM