where can i get a credit report,with a score, that isnt 50 pages long that doesnt repeat and that i can read??? next month my chapter 7 will be 3 years discharged and i want to buy a house....possible???
204392
www.annualcreditreport.com\n\nand for your score...well, just do a yahoo search for free instant credit score cuz i forgot the website i got mine from
671804
You can get all 3 credit reports from all of the credit bureaus free once a year.  Go to www.transunion.com and there will be a link on there for your free copy of all three reports.  They will send you reports from Trans Union, Equifax, and Experian.  I hope this helps!!
479639
I have been dealing with peoples credit reports for almost 10 years and I have never seen al 3 bureaus the same. I have seen over a 100 point difference so take a look at all of them. I know that mortgage companies will use the mid score and car dealerships will use the highest score.
150926
Well all of you information will be on your credit report for 7 years.  Charged off accounts impact your account negatively, only when they are paid in full will they bring your score back up.  If it is not listed on your credit report DO NOT worry about it, if you are only worried about your credit score.  Looking at your scenario, it looks like your credit is in the high 500's, low 600's.  I would suggest keep making payments on time, do not close out any accounts that are currently paid to date, and if you have any more questions contact me... :)\n\ngood luck.
166842
You could just file Chapter 13 bankruptcy & just pay partial of it. Bankrupsty will fall off your credit report in 7 years. Your in about 20 years of debt. Chapter 13 can cut it to 10 or less years. Consult with an attorney he can give you good advise. It is hard to get debt consulidation to help most companies will not take a 20$ a month payment. I work for a collection company. My suggestion is try to take care of it soon be fore they take you to court, get Judgment & start to garnish your checks.
639294
A tough lesson from the School of Hard Knocks.\nHopefully, others will learn from your mistake.\nAlso know that the sooner you begin to make good payments on your credit lines and the longer you continue those good payments, the better your score gets.\nYou should get a copy of your credit bureau report and go through it with a fine tooth comb just to make sure there are no errors that may be costing your points on your score.\nIf you can improve your score even 10% that's good.\nAlso, if you had any bankruptcys 6 years ago, you just need to hold on one more year.  In most cases, they come off after 7 years.
285400
Talk to a local mortgage broker.  Sit down and go over your credit report.  They will be able to tell you what you can do to get your score up.  Sometimes its better to spend money on your credit instead of the down payment.  Sometimes its the other way around.  Sometimes there's another solution like putting someone else on the application with you.  \n\nIn general you should keep your open credit cards on-time and pay them down to half of their credit limit.  If you have extra cash payoff any collections you have from the last year or two.  \n\nOpen up your yellowpages and look under "mortgages".  Find a local phone number or an adress you're familiar with and go to town.
2268
www.annualcreditrport.com is the source for  a free report among the 3 largest credit reporting agencies. Experian, Transunion etc.\n\nWhat I do is to stage them 3 times a year so I can see what is being reported with each company.\n\nI simply mark my calender and then get an updated report.\n\nYou can get all three at once, but I think thats overkill.\n\nYou will pay a small fee for a FICO score.\n\nBest to you. Merry Christmas
628036
If you have your credit report, you should be able to call them and let them know what is incorrect, false, or needs updating.  They will file a claim and either investigate it or have you send in information that they will be able to use to update your credit report.  Also, there are credit reports/scores available from TransUnion and Experion.  All three of them use different reporting methods and may all show different information, and have different scores.  You can request one free copy of all three credit reports once a year on the internet, or by call the agencies themselves if you suspect that they are incorrect.  They will often times send you a copy for free so you can verify the accuracy.  I have dealt with Equifax extensively after having some of my personal information stolen and used by someone else.  They are generally helpful, fast, and easy to deal with.  Any other questions let me know.
387883
Try this to improve your score:\n\nFirst know that the bureau must verify any debt you dispute. If they can not verify it, it must be deleted. They have 30 days to do this.\n\nWith 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.\n\nWhen you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.\n\nAlso mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:\n\nhttp://www.ftc.gov/\n\nIf your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.\n\nIf this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:\n\nhttp://www.ftc.gov/bcp/conline/edcams/credit/index.html\n\nIf you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.\n\nHope this helps!
656565
Call a local mortgage broker (check your local yellow pages) and ask for a consultation, they are usually free or may charge a small fee (< $25)  for pulling your credit report..  Do not call a bank.  Mortgage brokers have many more programs available than banks and are more experienced in dealing with folks with troubled credit.  Anyway, they can pull up your credit and see how it looks.  It may not be as bad as you think.  If it is, there are programs such as FHA that are not credit score driven.  It always helps to have money saved up for a down payment, and while 100% loans can be obtained, you will most likely need a minimum of 3% down.  If you do not have the 3%, it can be in the form of a gift from family or friends.  There are 3rd party non-profit companies that you can get the donwpayment from, although FHA has been looking down on them lately.  Mainly b/c the 3% gets financed back into the loan....sort of...but I can't say that...LOL\n\nA good mortgage broker will have all of this information.  He/she should also be able to direct you on what to do if your credit needs a little repair.  If you are not ready to buy now, they can coach on what to do to be ready in 6 months or so.  Good luck with your dream of owning a home.
430520
Thank you Celeste!\n\nIt amazes me how so many people come here and give out these sites like freecreditreport.com.  These morons simply don't have a clue, or else they get some sort of kickback form sending unsuspecting consumers to these sites.  \n\nhttp://www.annualcreditreport.com is the ONLY site where you can get a free credit report from the three major credit reporting agencies.  Any other site is trying to sell you credit monitoring services or some other nonsense.
432316
Call your bank now and see what your options with them are. A short sale on your credit report is not 1/2 as bad as a foreclosure.\n\nA neighbor of mine was going into foreclosure. They got the bank to accept a short sale instead. The agent listed the property well below market and ended up having a bidding war with 4 different buyers. They ended up $40,000 short of the fair market value but it actually paid off the note in full (no short sale), got them out without a foreclosure on the credit report and sold the property in 5 days versus 30-60 for a traditional sale.\n\nAs for the value falling... Do you owe more than the property is worth now? If not, there should be options for you.\n\nBest of luck!\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com
436005
Depends on your debt load.  Remember that a discharged chapter 13 stays on your credit report for 7 yrs from date filed, but if you do not complete it or back out of the plan, you will be stuck with it for 10 yrs.
160858
Please visit equifax.com. Purchase score watch and score power. It's really good. It's 7.95 per month. You can look at things and know your score at all times. You can see when changes are made to your report.
412932
This a question I get all the time and the answer depends on the person and their credit to begin with.  Do you have credit accounts now?  Are you close to the limit on any of the accounts?  With ALL of your credit accounts the best scores come from 35% of your credit line or less.  Once you go above 75% you really start to take a beating on your credit score and over the limit just about kills it.  Should you be in the upper end of your credit accounts it would be best to stay at home and pay down all of your accounts.  Pay down the highest interest rates first then work your way to each account.  \nYou don't have any credit accounts?  Get some but not store accounts, get true credit accounts like Master Card or Visa.  Even consider doing a secured credit account with one of them if your credit is not established yet.  You will need a min of 6mo's of reporting to really build your credit score.\nNow to your VA loan you have my utmost respect and Thanks for serving in our military.  \nYou must have a clean credit history of 24mo's before the VA will allow you to use your VA status.  That means no lates, no judgments, no liens and no BK's in the past 24mo's.  You can have min credit with VA just not bad credit or late pays.  \nWell I have rambled on so if you have any questions please e-mail me back and I will be happy to answer them for you.\n\nBest of luck,\nGregg
569214
It's going to take a long time.  I would write all 3 credit reporting agencies and see what you can do.  If you need to buy something in the next 5-7 years you may have to rely on a friendly relative with good credit until you get it all paid off.