If you call Equifax, Experian, or the other one (can't remember the name) and proceed on the phone menu like you're filing an identity theft report (which only results in heightened security measures should you request credit later on--not a bad thing), you will receive a free credit report from all three agencies.
If you can stand spending a few minutes with a car dealer, you can get your numerical credit rating by being interested in purchasing a vehicle from said dealer, no money is required to change hands, they will run a credit report to see what interest you can qualify for, good credit makes a ton of difference in your available finance rates!
Anything above an 8 is considered an excellent credit rating, at 8.8 we got 2.9% for 5 years and the 3500.00 rebate, way better than the 0% offered but without the rebate.
a friend of mine did that... anytime your turned down for a card, you can fill out an online form at transunion or exifax, request a copy, and cite the company that refused you credit.
She got hers, she had red marks on there from utility companies long since paid off, one who she didnt even use, and it said she had a sears card delinquent. the balance owed was... $0. IT WAS COUNTED AS A BAD! she didnt even HAVE a sears card.
After she made 100 phone calls and filed the correction paperwork they give ya, her credit rating went way up.
Every thing held against her was either paid, not hers or never was delinqient (misreported).
its all free, dont fall for the "pay me" scam.
Thanks again! I'm really not interested in my rating, just need to know what's on there - I have reason to believe that someone is using my name and ss# to open accounts. Thanks so much for the info and phone numbers.
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