I finally got around to ordering my free credit report on Friday, a move I've been procrastinating about for as long as I can remember.
Why? I honestly don't know why it's taken me so long, but I suspect it's becasue deep down, part of me is afraid of the results. I know there's more than a few random credit cards I applied for all those years ago during Frosh Week. I'm sure they've long-since expired, but nonetheless, they're no doubt kicking aronud on some file somewhere -- along with the HBC credit card I signed up for to save 20% on a wedding gift, before promptly cutting up the card.
I'm not really expecting to have a "good" score since I'm fairly young and have not really ever borrowed a large sum of money to demonstrate my ability to pay it back. So I won't be too upset or surprised if my number is a little low. The methodology for determining your score appears to be more secretive than the outcome of the next Harry Potter book anyway, so I'm really more interested in getting a list of accounts than seeing what my number is -- I'm a ways away from getting a mortgage, anyway. Plenty of time to make it right before it matters.
But I really have no idea what form the damn thing is even going to take. Has anybody ordered a free TransUnion report recently? What will it look like? Will I get just a number, or a codified list of all my historical accounts? Both? And do you get more if you upgrade to the paid report?
Monday, July 09, 2007
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4 comments:
I've ordered free reports from both Transunion and Equifax (it's a good idea to order both - they usually have the same info, but not always).
What you'll get is a very bland looking list of your personal info (name, address, past addresses, employers, past employers) as wel as a list of credit accounts on file. It'll list your payment history and a record of any late payments, along with the age of the accounts. It'll also list the dates your credit report was accessed, and by whom.
The report will be accompanied by some explanatory information (basically a page of FAQs) and a form that you can use to send in to request an investigation of inaccurate information.
What the report won't show is your "credit score". They won't give you that information unless you pay for it.
At least your taking a step toward determining what you need to do with your money to repair your credit.
Very sneaky and annoying to force people to mail in their request. You'd think they'd make enough in profits to let you do it online for free. Grr...
You should also request credit reports from Equifax and Experian. You might get different result becuase some of the information might be incorrect. Sometimes because of a simple human error. And you'll never know which credit report your lender will refer to
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