I have two questions that I was hoping someone could answer. I recently disputed something on my credit report & it actually was taken off... but since that happened my credit score actually went DOWN 3 points, how is that possible? Can someone explain. Second, I was told by a layer that legally the credit reports have to give you an annual report on all 3 credit bureau's how come I'm not able to do this? I really needed to see my report so I paid for it now I want to check on the other 2 places, how do I go about doing that? Thanks in advance for the help! Kellie
Go to annualcreditreport.com, and you can get all three of your credit reports each year - for free. Also, your score may have gone down for a myriad of reasons. Three points is a very small amount, and if you checked your score again today, it may have gone back up 3 points or more. Have any other variables in your credit profile changed as well? Your credit utilization ratio, for example? That alone counts for about 30% of your FICO score, and it can fluctuate all the time.
