Your Credit - Do you Check it?

[SUGARBABY]

Since I recently bought my car and had my credit pulled, I was wondering if everyone here stays on top of it?

When I didn't get a rate as low as I wanted, I applied for my credit report and it showed a "power bill" that was outstanding. The account was opened in Pennsylvania (I have never even been to that state) and it was deliquent. I lost my social security car last summer and so I was totally freaked out that my identity had been stolen. I disputed the report.

Has this ever happened to any of you?

[daved150]

Re: Your Credit - Do you Check it?

i keep on top of it. but, on the issue of id theft, yes. somehow a crook got my cc # for my visa check card and spent ALOT of dough. threw my account in the red, bounced checks everywhere...the bank found out it was done over the net and insurance reimbursed me...took about 3mo. that sucked

[T-Man007]

Re: Your Credit - Do you Check it?

No. But it happens a lot. I don't keep my SS card or any Credit Cards in my wallet. If I lose my my wallet I'm out a drivers license, some busines cards and my debit card. People are lazy so I try not to give them opportunities to take advantage of my hard work.

[mick-G]

Re: Your Credit - Do you Check it?

Credit theft happens all the time and especially if your ssn is stolen. Just so they don't have all your personal info they cant tie it to you. Be safe.

[SMILEY FACE]

Re: Your Credit - Do you Check it?

Dont get me depressed......not commenting

[snickers1]

Re: Your Credit - Do you Check it?

you should check yuor credit periodically, and dispute any mistakes you see, just and fyi, when you go to equifax, experian , or tranunion and pull your credit your self it is not considered an inquiry so it does not hurt yor scores.

[ByRoN]

Re: Your Credit - Do you Check it?

where can i do this at?

[FUZO]

Re: Your Credit - Do you Check it?

WHEN YOU KEEP GETTING YOUR CREDIT CHECKED THROUGH THESE INQUIRES IT LOWERS YOUR SCORE.ITS ACTUALY BAD TO KEEP GETTING YOUR CREDIT CHECKED.

[Stout1]

Re: Your Credit - Do you Check it?

WHEN YOU KEEP GETTING YOUR CREDIT CHECKED THROUGH THESE INQUIRES IT LOWERS YOUR SCORE.ITS ACTUALY BAD TO KEEP GETTING YOUR CREDIT CHECKED.

In my state you are allowed to check your credit once a year with out any points being taken off...'



Also one of the major compaines just had about 500,00 peoples names and S.S.# stolen out of their office or hacked. I cant remember which. It was down South. It was on the front page of the STL Post-Dispatch so be on teh watch out.

[BM]

Re: Your Credit - Do you Check it?

I try to stay on top of mine but still haven't bothered to clear some stuff that shouldnt be on it

[mick-G]

Re: Your Credit - Do you Check it?

I don't give damn about credit. If you got more than 2M in the bank and investments. If i go to bank and they would deny me i would take all my assets out, then who would be out, lol! If i want somethig i buy it cash. Only thing i use the credit for is for sometimes the whey protein online and occaisional like i bought a snowblower with it and pay it off at the end of the month.

[SUGARBABY]

Re: Your Credit - Do you Check it?

Byron:

https://www.experian.com

https://www.Equifax.com

https://www.transunion.com

experian will pull your report immediately, the other two you have to send a letter to request a free report.

[SUGARBABY]

Re: Your Credit - Do you Check it?

I try to stay on top of mine but still haven't bothered to clear some stuff that shouldnt be on it

LIC, i pulled mine at experian this weekend and you can DISPUTE it ONLINE for FREE IMMEDIATELY.

If you need help doing this, just let me know.

[edvedr]

Re: Your Credit - Do you Check it?

www.freecreditreport.com you can monitor all 3 at once. they inform you if anything is put on there. they update you so you don't have to check

[snickers1]

Re: Your Credit - Do you Check it?

where can i do this at?

equifax.com, transunion.com, experian.com,

equifax is the big one that is the one you really want to watch. when you order a report they also have online dispute sytems so you dispute anything that isn't correct.