Credit Report Help

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falnovice

Joined
Oct 9, 2005
Messages
544
Hey everyone.
I had to buy a new car today as the wife was nice enough to total the old one for me. She's alright, and that is the important thing......:D

Anyway, when I went to get a new car they mentioned my credit and gone down and this that and the other. Needless to say I didn't get the rate I was looking for, but still not bad.
After leaving the dealership I starting thinking to myself that this was odd.....I haven't made any new purchases in over a year, I have very little debt and I am not behind on anything. Now I'm thinking I should get a copy of my credit report to review. Which brings us to this thread.

What is a good resource to use to get credit report?

Thanks.
 
I had a really bad experience with freecreditreport.com a few years back. I wouldn't trust them as far as I can throw New York. The state, not the city.
 
Also thats the oldest car dealer trick in the book... So it could all be BS. Thats how most sales people dealers make their money these days. They get to keep anything over what their finance department is offering...
 
Thanks one and all.

For the most part I wouldn't have worried, but I have done a lot of biz with these guys over the year and they have done a good bit of biz with me.....so when the finance guy said "Hey Fal, your credit score has really dropped. We can't do financing through the bank you want" I started to listen.

Now pulling my report I see I have two credit cards that I don't have.....with fairly hefty balances on them. Both taken out in May of this year.

Had a chat with the wife...not her.
I have a friend at my bank, I'll stop in the morning and bring him in on this.

Thanks again.
 
yablanowitz said:
I had a really bad experience with freecreditreport.com a few years back. I wouldn't trust them as far as I can throw New York. The state, not the city.
Click to expand...

While I understand there is a lot of personal information on there, I would be interested in hearing about your experience at a high level.

That's a bold statement to put out there with no supporting info. Not flaming, just trying to understand.
 
That car/credit trick is old even in Botswana! Try not to look so eager. Good thing that she wasn't injured and safe, unfortunately that is one of marriage’s bumps. Gets you through the Car/Wife quandary all men have.





So what car could you get with Wife as a deposit? Seriously what % deposit do you have to put on a car? We have a minimum of 10% and 15.5% interest for a good rating over 3 years. Good to medium rating 20% deposit same interest. Lower ratings get the special No interest and Keep fit walk to work program.
 
myright said:
While I understand there is a lot of personal information on there, I would be interested in hearing about your experience at a high level.

That's a bold statement to put out there with no supporting info. Not flaming, just trying to understand.
Click to expand...

I went to freecreditreport.com to get my "free" credit report. At that time, it was contigent upon enrolling in their "Triple Advantage Credit Monitoring Service" for a thirty day free trial period. I figured, no sweat. Sign up, check the credit, cancel out. Easy, right? Wrong! There were no provisions made anywhere for cancelling the free trial. I started trying an hour after I signed up, and they still ended up charging the $80 annual fee to my credit card before I succeded in cancelling out. Then, a week later, someone using my e-mail address and the same card they had charged to set up a couple of bogus internet accounts and ran up a few hundred dollars in fraudulent charges. The only place those two pieces of information were ever revealed at the same time was at freecreditreport.com. Both of the accounts went active exactly seven days after I cancelled their service. I don't know about you, but that sounded mighty suspicious to me. I know I'll never trust them again.
 
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