Your Credit - Do you Check it?

[SUGARBABY]

TweetSince 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]

Tweeti 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]

TweetNo. 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]

TweetCredit 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]

TweetDont get me depressed......not commenting

[snickers1]

Tweetyou 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]

Tweetwhere can i do this at?

[snickers1]

Tweet

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.

[JsJs24]

Tweet

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.

This is not always true either. When you read a 3 in 1 credit report you will see that all 3 are used. However, Equifax and Experian get hit the most.

[FUZO]

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

[Stout1]

Tweet

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.

[JsJs24]

Tweet

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

FALSE bro!!!!!!!! I have talked with credit reporting agencies and bank loan officers about this. It is a myth. As long as YOU yourself are the one checking it there is no negative effect on your score. It is good to check credit 3 to 4 times a year. I run mine every 4 to 6 months. For a free anual credit report from each of the 3 bureaus at www.annualcreditreport.com. This is a new law nation-wide that went into effect in Sept last year.

[BM]

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

[SUGARBABY]

Tweet

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.

[mick-G]

TweetI 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.