Here is a promo for free myfico score. http://www.myfico.com/products/scorewatch/freetrial.aspx I hadn't looked at my score, well forever. I had payment problems when i was in college, and well haven't wanted to look at the effects of my behavior. I have a score of 644 through equifax. On Equifax my date of birth i wrong, and it has 2 old address on the form. Credit History of 10 years 6 months. Installment ANC/GLELSI <%removed acct #%> 3/1998 $2,252 No Revolving DISCOVR CD Not on record 11/1997 $1,192 Yes Open Account PERF CAPTL Not on record Not on record $0 Yes Revolving CITI Not on record 10/1997 $0 No Revolving CITIBKSDNA Not on record 8/1997 $0 No Revolving CITIBKSDNA Not on record 10/1997 $0 No Revolving AMEX Not on record 12/1998 $75 No Installment UNOFCINT <%removed acct #%> 12/1997 $0 Yes Revolving FUSA NA Not on record 7/1995 $0 No Installment SLF/GLELSI <%removed acct #%> 3/1998 $0 Yes ----> Student loan Account transferred or sold Revolving CHASE NA Not on record 12/1998 $2,183 Yes ------->Charged off account Credit Card Revolving WFNNB/STR Not on record 2/1998 $0 No -----> Pay Account as Agreed The last yes or no indicates if there is a negative attaced to the account. What's my first step? Get the other credit reports? Ask for them to remove the addresses? Send Dispute letters for accounts with the negative attached to them? something else? Appreciate all your help, thanks!
I'm somewhat in the same boat. I have already opted out and I have 2 of the 3 in print. The last one, TU, is on its way. My question is how do you start the process, do I ask the CRAs for verification or do I ask the OC or CA?
