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Hi folks,

I've been reading this particular board for over a year now - the posts are wonderful and to some extent, mirror my past errors, current plans, future goals, and all the screwups along the way. One day, I hope to have the courage - and it is indeed courage - to post my particulars. In the meantime, I have my excel spreadsheets and my reduction plan moving in the right direction.

Anyway, one thing I have not done is monitor my credit report or my credit score and would like to start doing so. Can any of you suggest a good place to do this? I would like to monitor across all three CRA's.

I would really like to see how my "credit" behavior is affecting the score in particular. For instance, I received a Chase statement last week. It previously had a zero balance, but they had charged a $98 dollar annual fee for the card. So, I called and just completely cancelled the card. I know my credit score took a ding for it. At the time, I didn't care too much since I won't be making any major purchases for a long time. Later however, I wondered if I would get hit since I would now have a higher utilization.

Thanks!
lm

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Hi Luckymama,

I was waiting for someone more knowledgeable on FICO's to respond, until then I will respond with the best I can. You can get all three credit reports free at

http://www.anualcreditreport.com/

What some people will do is get one report every 4 months from different CRA's so in a since you can watch them over the year for free. It will probably take at least a month or so for the chase closer to show up so you may want to wait a while or get one report now and another one 3-4 months from now. I do not monitor scores. But I believe www.myfico.com is fairly cheap, but other posters my have better input. I get plenty of 0% offers and have no negatives on reports so I figure my scores are fine, although I do like to look at my reports every quarter.

~
Roy
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> So, I called and just completely cancelled the card. I know my credit score took a ding for it. At the time, I didn't care too much since I won't be making any major purchases for a long time.

Closing a card is a minor ding that goes away quickly.

> I wondered if I would get hit since I would now have a higher utilization.

Possibly. What sort of ratio do you have?
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I was waiting for someone more knowledgeable on FICO's to respond, until then I will respond with the best I can. You can get all three credit reports free at

http://www.anualcreditreport.com/


Great tip, Roy! Please understand I'm not picking nits, but the 'Net is one place where spelling counts. Missing a letter can send one to the wrong site altogether and is just the thing crooks like to abuse.

http://www.annualcreditreport.com/

Minxie
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If you want your credit score, the best place is www.myfico.com. This the Fair Issac site, which is the company who invented the credit score that is used by almost everyone. You have to pay, but I think it is well worth it.

D
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OOOOUUUCH!!!

I went to the first credit report place mentioned and found in very small print that I was stuck with what I thought was $14.95 monthly automatic withdrawal from "the credit card listed"....for something called "blah blah escapes.." !!!!!

In a panic I started calling to cancel. No one was there last night. This morning I started again.. Ten long minutes later I got very nice service from a customer rep who told me the cost was $29.95 a month, not $14.95.

I was really pretty anxious,let me tell you.

I told her that I hadn't received any free credit report and I wanted to be OFF THAT LIST immediately. Of course I was more polite than that..it's not her fault ...but what a rip off!!!! After " Well it is a 7 day free trial period and you can get your report this morning" sales pitch, I finally got off that list. ( I hope)I was much too scared to try to get the free credit report and then begin this attempt this cancellation of the blah blah escapes group.

So..not such a helpful post or I am naive and do not negotiate "free" with the necessary finesse.

That free report obviously has huge strings attached.

Big Momma
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http://www.anualcreditreport.com/

This is the url from Roy that I hit and got all the worries with... see letter above.

Big Momma
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http: // www .anualcreditreport.com/

This is the url from Roy that I hit and got all the worries with... see letter above.


I inserted spaces so it won't show up as a link when I quote you.

A previous reply pointed out Roy's typo; he should have typed:

http://www.annualcreditreport.com/

Note that the real URL has two n's in "annual" and the typo mis-spells it as "anual". Sounds like some scamsters registered a common typo domain and are trying to make a buck off you.

Slimy, slimy, slimy. And it appears to have been taken down, since I get a "not found" error on the one-n site now.

Of course, you still have to be careful with the real site. There will be plenty of ads trying to sell you services you may not want.

Last year I was able to get my three free credit reports, and I paid for one FICO score. It's about time to do that again, and I don't know whether I want to pay for the numerical score this time.

Patzer
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http://www.anualcreditreport.com/

This is the url from Roy that I hit and got all the worries with... see letter above.

Big Momma

Big Momma, I had a typo in my url it should have been
http://www.annualcreditreport.com/

I get nowhere with my link above b/c of the missing “n” in annual. Is this the link that you where led to a credit fee service? I recently got my report from experian from this site with no trouble at all.

~
Roy
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