Annualcreditreport.com

[Stout1]

www.annualcreditreport.com

I seen this site on MuscleSci a bit ago. I went to there and checked out my credit info and was shocked!

I found 6 possibly more accounts still opened up under my name that should be CLOSED. 1 account I found I have NEVER seen a bill for in my entire life! I couldn't get into trans unions web site as I missed their identity check questions so I will have to call tehm when I get home from work.

Those open accounts add up to ALOT of money under my name and lowers my credit score. Their could be more accounts opened under my name also if I can get into Trans Unions site!

 

[goes4ever]

good site, my report turned out A-ok, thank God

 

[In-Human]

Ok open accounts are fine as long as no balance is due or you have had late payments, 20% of your credit reporting is about how long you have had credit, never close accounts after you pay them off either, they will not harm your FICA score in any way. If you find Charge Offs like when you just quit paying the lender then you can have problems and these can hurt you big time when going for loans and trying to get lower interest rates, I help people with thier credit all the time, I took mine form 391 to 748, yes it was a lot of work but it can be done, you just need to know what to do and how to contact lenders...

 

[Stout1]

Hmmm I was under the assumption open accounts are bad.

 

[buffness]

I couldn't claim my identity..weird. I guess buffness doesn't exist lol

 

[future]

My credit is awful.

 

[In-Human]

Hmmm I was under the assumption open accounts are bad.

They are not, as long as they have no balance they count as nothing against your score except credit history, most lenders if the account is inactive for more than 18 months the account is closed, whether they report to the three credit agancies is a different story, and watch out for those companies online who provide you will a credit report, most are bullshit and what I do is I pay a company to watch my credit and if something arises they notify me in writing in 2 business days, plus I can get a detailed report from all three agencies in 2 days with the current mailing addresses if I need to handle something with one of the lenders, these companies also have credit helping departments to teach you how to fix your problems and they will do thier own ivestigations to try to remedy a problem you may have if you can't get very far yourself. And the worse thing you can do is transfer balances and then close the cards, if you are unhappy with the interest rate call the lender and ask to speak with the financial department since you are thinking about closing your account due to high interest, I have cards at 1.9%, they will work with you, trust me, they want your money...

 

[bigkarch]

if you look at your credit, from that website, does it count against you such as a creditor pulling up your credit...mine went down about 20-30 points because too many creditors were pulling up my credit..because of the divorce, I had to get two different mortgages, and two other credit cards within 8 months...

 

[In-Human]

You never want to have more than 2-3 inquiries every 6 months, it looks bad to a lender and anytime you have your credit pulled it counts as a inquiry, now the only time its ok to have multiple inquiries in one month is when buying a house, sometimes you may need it pulled 5 or 6 times til you find the right loan, but if later on a few months down the road a new lender sees you had 5 or 6 inquiries but all from mortgage companies they will count it as one inquiry for all of them...