Credit Reports and Scoring

Discussion in 'Credit Talk' started by zipper, Aug 18, 2003.

  1. zipper

    zipper Member

    Generally, which is the best way to monitor your CR's and scores. Any of the 3 in 1 reports offered by the CRA's or order them sepearately. Personally, I don't care for the 3 in 1 on account if you want to sent a copy to the CRA, they have access to the info from the other 2 CRA's.

    I'm new at this so I'm not sure it even matters. The first time I pulled my CR's electronically and disputed online, I a total of 5 lates removed, 2 old tradelines. I then sent follow-up letter to dispute the remaining ones.

    Would like to pull new CR's but wondering what's the best and most accurate way to go.

  2. venomized

    venomized Well-Known Member

    Im no expert. But i use Equifax. Equifax seems the best choice for me. I cleaned up all my credit (Fico 760 now) i had a CA file before. 30-60 late, now all gone, through disputes. Also, Equifax for some reason, is the lowest of all 3 CRAs in scoring (from what i seen here). So with my score being 760 from EQ, im figuring my scores on the other two CRAs are high.

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