Free Experian Credit Report Com
2010
What is a good website to check your credit report?
I have tried free credit report.com and experian direct and i do not like them. I am looking for a site where I can re-run my credit report as much as I like. I am about to start paying off some of my debt and I want to be able to check my credit report to see if it has been updated yet. Any ideas.
annualcreditreport.com is the real free site to check your credit file for free once a year without a credit card.
https://www.annualcreditreport.com/ – NOT freecreditreport.com -
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If you need unlimited access to your credit report then you’ll have to sign up with credit monitoring with Equifax or another such service.
FYI: Paying back defaulted/charged-off credit card debt won’t fix your credit rating and charge-offs stay for 7 years…regardless of whether or not they are paid or unpaid.
For non credit card defaults: You may be able to negotiate the complete removal of non credit card debts like defaulted cell, medical, utility bills etc. from your credit report with a Pay for Delete agreement. This is a written agreement where you get a signed agreement from the debt collector (PRIOR to making any payment) where they offer to remove the negative items from your credit files after an agreed-to amount is paid. They will NOT want to do this….all they want is your money and their commission and they could not care less about your credit rating….Still, you have something they want (money) and that puts you in a position to negotiate on this issue. Example letter:
I am willing to resolve this issue for [$ xx] if your firm sends me a signed letter on your company’s letterhead agreeing that this account will be Paid in Full after this amount has been received and that you will remove all negative notations from my credit report after this agreed to amount is paid. Upon receipt of this letter I will mail you a USPS money order for this amount.
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