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FreeCreditReport.com enough??

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    #1

    FreeCreditReport.com enough??

    I have signed up with FreeCreditReport.com to see my report, but didn't know beforehand that is only the experian report (w/o paying a higher fee). I do not get to see the other major reporting agencies. Should I work on disputing this one first and move on to others or should I cancel and sign up with True Credit to be able to work on the 3 major agencies at the same time?

    Also, what is IIB?

    much thanks,
    Filed 8/25/06, Discharged 11/28/06, CASE CLOSED 11/14/2007!
    Tags: None
    #2
    IIB means included in Bankruptcy...

    Go to annualcreditreport.com to see all 3 and dispute all 3 from there for FREE they wont even ask u for a credit card.
    Discharged... 2/13/07 Closed... 2/20/07
    Ochard Bank $600 Household Bank $600
    Hooters Card $1000 Target Store Card $500
    Discover HSBC $300

    Comment

      #3
      Originally posted by Princesskina View Post
      IIB means included in Bankruptcy...

      Go to annualcreditreport.com to see all 3 and dispute all 3 from there for FREE they wont even ask u for a credit card.
      That website will allow you access to all three CBR's once a year. Good way to start the dispute process.

      Comment

        #4
        I used that option when I pulled credit reports for the lawyer in August of '06. Does it let you pull once every 365 days or once every calendar year?
        Filed 8/25/06, Discharged 11/28/06, CASE CLOSED 11/14/2007!

        Comment

          #5
          Originally posted by Brendon View Post
          I used that option when I pulled credit reports for the lawyer in August of '06. Does it let you pull once every 365 days or once every calendar year?
          You can pull all 3 CRA's reports ONCE a year for FREE at http://www.annualcreditreport.com.

          You can also pay to use the service thru True Credit.

          You'll need to remember the User ID and password you selected when you signed on at AnnualCreditReport.com to use True Credit. True Credit is TransUnion's Credit Monitoring Service and TU backs AnnualCreditReport.com.

          True Credit does monitor all 3 CRA's and you can do online disputing with 2. TU and Experian. Equifax, you have to physically write them.

          Wal-Mart offers a discount coupon for True Credit. The link has been posted several times here. Maybe do a search for True Credit or Wal-Mart.
          Filed Ch 7 - 09/06
          Discharged - 12/2006
          Officially Declared No Asset - 03/2007
          Closed - 04/2007

          I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

          Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

          Comment

            #6
            Just order a copy of your credit report/score directly, from each of the CRA's.
            The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

            Comment

              #7
              Thanks. I will have to find my user name and password. We have moved since then, so no telling where that information is.. I will also look for the coupon.
              Filed 8/25/06, Discharged 11/28/06, CASE CLOSED 11/14/2007!

              Comment

                #8
                If you don't remember your User ID and password,............ At the True Credit website is an 800 number you can call for assistance.

                Same thing happened to us.

                You give some identifying info over the phone, and they will get you all set to log in.
                Filed Ch 7 - 09/06
                Discharged - 12/2006
                Officially Declared No Asset - 03/2007
                Closed - 04/2007

                I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

                Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

                Comment

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