What is your.....

[hzsogood 5,000+ posts]

How did mine get to that?

Ive only had it for like 8 months.

I use it, but when I do I always pay for it on time.

edit:

Or is that it?

Just paying on time?

On time is the biggest thing ive seen .. It shows consistancy //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[squeak9798 5,000+ posts]

Thanks man , thats some good info to know. Is any of the 3 better , bigger or more important than another , or does it all just depend on where a particular party sends it to? Because everywhere around here ( MN and Wi ) I've applied for loans and such for, have all used equifax..

You just answered your own question...kinda.

In a "general" sense, one of them is not more important than the other two. But, in every geographic region there is going to be one of the three that is more heavily used, and likely has the most up to date information on you. In your region that appears to be Equifax, in my region it's Transunion (and because of this, Transunion was the only credit reporting agency my bank reported credit info to).

So If i have anything outstanding with one of the other 2 companies would i ever even know?

Some banks only report to the primary credit reporting agency in their region, other larger organizations (like nation-wide banks, large credit card companies, etc) might report to all 3. It's a good idea to check all three of them out, via the free website, just to be sure nothing has popped up that you aren't aware of.

 

[hzsogood 5,000+ posts]

Thanks man, i'll have to run all 3, because i don't want to get pinched again //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[MikeofTulsa Moderator]

I need to do exactly what your doing.. Charge a few tanks of gas a month on the card then pay it all off .. those little thing s can be big if consistent.. Is there an actual free credit report from all 3 bureaus? Or do you have to get each on individually
1) Equifax

2) Experian

3) ***** Union

I believe the only one ive ever been checked on for any loan in Equifax, and i know that bureau is clean but i just want to double check on the other 2 to see where im at

https://www.annualcreditreport.com/cra/index.jsp will give you all three, or if u want to pay like 30 bux u can go to this site and get all three of them

http://www.truecredit.com/entry/drtv1.jsp?cb=DRTV1

 

[dkguitarist 5,000+ posts]

https://www.annualcreditreport.com/cra/index.jsp will give you all three, or if u want to pay like 30 bux u can go to this site and get all three of them
http://www.truecredit.com/entry/drtv1.jsp?cb=DRTV1

x2 i checked out all three and they all said the same thing basically. i got all 3 of mine at the same time. no difference really. but good to kno nonetheless.

 

[Phrozt 10+ year member]

I'll pick mine up on lunch break... I'm really curious to know what it is lol.

 

[MikeofTulsa Moderator]

only problem i had was some of the questions they asked to verify my identity werent quite right.

 

[dkguitarist 5,000+ posts]

only problem i had was some of the questions they asked to verify my identity werent quite right.

lol. but i didn't have any offers. no random phone calls. and if they spam my email, there's a lil button i can click to make it disappear. //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif