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Wednesday, March 17, 2010

How can i find out my credit rating free?

i keep getting turned down for credit and dont know why?!.Does it go on the persons rating or the address.?

How can i find out my credit rating free?
Go to freecreditreport.com and sign up for their trial period. Just be sure and cancel before the trial period is up or your credit card will be charged. It goes along with you ssn.
Reply:I'd try what Nicole said, but make sure that you cancel in time if you can do this. I didn't think there was a way to get your actual score for free, but the credit reports are once a year.
Reply:simply go on the Internet.
Reply:Experian website (theres a free trial at moment) otherwise send them your details and last addresses from 3 years with a payment of £2.
Reply:Experian do a service where you pay a subscription and get as much access to your credit report as you like. You can try this service for free, providing you remember to ring up and cancel before 30 days are up.





Otherwise you can order a one off report for just £2.





The other credit reference agency is equifax.





Freecreditreport.com and annualcreditreport.com are US sites so not applicable as this question is a UK based one!
Reply:You can go to annualcreditreport.com, unfortunately you can't get the scores. You will be able to see what accounts are showing up negatively however.





Here is a link to some info on how to clean your credit up yourself:





http://getprequalified.com/article_list_...
Reply:If your credit needs repair, start work on it now. Start paying off old unpaid debts and loans, starting with the smallest ones. Start paying more than the minimum payment on your current credit card payments. Do not get into any new debt. This is essential. Make it a priority to get out of debt. Cut up (or lock up) the credit cards, if they are a problem for you. Make it a commitment to become debt free. Live within your means. Make a budget and live by it. Start saving money. If you have poor credit, it is much easier to buy a home or a car with a cash down payment, than without one. Even the debts lowered may be subject to costly fees during the tax invasion season. If you are fortunate to find a debt consolidation program that will help you without charging outrageous fees, then by all means consolidate your debts with the program's help.





There are many sources of help available. Consumer Credit Counseling Service is one of the best for help repairing credit and getting debt under control. Consumer Credit Counseling Service provides budget counseling, educational programs, debt management assistance and housing counseling. There are also many local branches of this nonprofit organization, so check for one near your location. There are many “for profit” organizations that will help you with debt consolidation loans, but beware! They often are very expensive. You can get free reliable help that you can trust from a non-profit organization like Consumer Credit Counseling Service instead of paying hundreds of dollars to one of them. Or, you can educate yourself and do it for free.
Reply:you are entitled to one free credit report per year from all three bureaus, and there is no trial membership or anything like that, but you will have to pay for your scores


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