I was just wondering if I should pull a credit report for DH and I before filing our BK? I have used all the free ones in the past year none of them will let me do it again, Unless anyone has any secrets out there they could let me in on. If I should which one is the best I have limited funds and would like to know a score as well, most of them offer 3 in 1 with 3 scores which CR should I use who is accurate and who isn't thanks.
Are you a member of Privacy Guard on their 3 month trial? They do not have accurate ficos, the only way to get those is to go to myfico. There is a promo code, "hunziker" for $11.01 running right now, sometimes there is a less expensive one, so $33.03 for all 3. I know how tight money can be, I only order mine every 3 months, and then DH's the other, otherwise I read our cr's. Private mail me, I will give you a little more info and help on your cr's......
It's a good idea to have your CR before and know your score. You can play w/the FICO emulator to see how low your score might drop after BK. This is free - http://www.yourcreditcounts.com/cred/yccc_index.jsp Answer the questions anyway you like, give any info you want (ie, bogus) for the addresss & email info, then you'll get linked to EQ for a free FICO report. You just give your reg info to EQ and you're on your way. Use the "printable version" on the score report and print it for your records.
Pretty funny I went through the whole process then they asked me a queation about a loan I had I answered it and voila they couldn't verify my identity how could they know about the one account that I head then...I guess I will call them...thanks guys
Pretty funny I went through the whole process then they asked me a queation about a loan I had I answered it and voila they couldn't verify my identity how could they know about the one account that I had then...I guess I will call them...thanks guys
o.k. guys, well I got through on equifax and my score is low 500's anyway I guess it really won't matter about me filing BK simulation only took me to 450 or so. Since I want all 3 is equifax's 3in1 accurate enough to spend the money on to see what my others look like or should I try a different one? Please let me know DH report might look better then mine he has more on his 2 auto loans and the mtg but mtg is in default so we will see when we get it later when he gets home. Said it could not verify so we had to call she was nice on the phone, so I will have him call later to get his. Thanks again
Stay away from any combined or 3 in 1 reports if you want accurate data. You can pull DH's report on EQ for free also. Go to myFICO.com and use the promo code "pvn814" (no quotes) and you'll pay $9.95 for each report.
