I'm going to order my three credit reports to check out what they say (if I can ever figure them out)! I live in New Jersey so I get "1 free report in any 12 month period". Does anyone know if this means one free from each CRA? Also, how will I know what my FICO score is? It is not listed on the actual credit report right? Would I need to order from myfico.com? I've read that getting one of those reports where all three CRA's reports are merged can possibly get me an inquiry on my report which may lower my FICO score, also I've read that these "trimerged" reports do not provide each CRA's reference number which I will need in order to dispute items in the report. Last, (I promise) I read somewhere that the trimerged reports are not as accurate in showing what the specific CRA has on your report as one that comes from the CRA directly. Is any of this true? HELP!!!
Does anyone know if this means one free from each CRA? SgtsWife ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> EACH CRA
I too live in Jersey. You will not get your FICO scores with your report. I do believe it is 1 from each, but you have to call the bureau's and order them. Goto myfico.com and (do a search here for a promo code here so you only pay 9.99 each)
I believe I what I read from lbrown and mongrol is that it's one free report from each CRA! I will order them asap! for my FICO score, I guess I'll wait until I have the reports then order the FICO score through MYFICO in order to start tracking its changes (for the better!)
