yiteurp Posted January 9, 2008 Report Share Posted January 9, 2008 New Here.. getting started Where is the best online source for getting all 3 accurate reports from the credit Agencies. I have heard from others that true credit is not accurate for disputing information, also I do not think true credit contains all the information. such as date account opened and dates due to be removed collection account names and numbers I'm looking for something complete and cheap. for monthly service Please help me Link to comment Share on other sites More sharing options...
ShortBus Posted January 9, 2008 Report Share Posted January 9, 2008 Welcome! You can get a free copy once a year from all three CRA's though www.annualcreditreport.com . You can also request a free copy if you're unemployed and seeking employment, on public assistance, or have been declined credit or employment due to the information contained in your report. You'll also get copies when you start disputing information in them.If you need more regular access to your CR, www.privacymatters123.com and www.truecredit.com are probably the two most popular monitoring services here since they allow daily pulls (until you pull daily too often). In my experience, these "tri-merged" files are just as accurate as getting them directly from the CRAs since they come from the same data. However, the tri-merged files might omit important information (date of first major delinquency, etc). So you're advised to pull a copy of your CR directly from the CRA before trying to take them to mat, legally-speaking. 1 Link to comment Share on other sites More sharing options...
yiteurp Posted January 9, 2008 Author Report Share Posted January 9, 2008 If I pull directly from the 3 majors its about 20-30 each.. Is there a cheaper site. I have a jobnot on welfaregot my free one alreadyNeed a place where I can pull each one daily Link to comment Share on other sites More sharing options...
andbowd Posted January 9, 2008 Report Share Posted January 9, 2008 Thnaks for info.AB Link to comment Share on other sites More sharing options...
ShortBus Posted January 9, 2008 Report Share Posted January 9, 2008 If I pull directly from the 3 majors its about 20-30 each.. Is there a cheaper site. I have a jobnot on welfaregot my free one alreadyNeed a place where I can pull each one dailywww.truecredit.com will allow you daily pulls--for a while. Then you get banned for excessive usage. There are a couple of others. I think Wamu or Citi offers one with daily pulls? You should be able to find something if you search the forums a bit. Link to comment Share on other sites More sharing options...
CloudX Posted January 9, 2008 Report Share Posted January 9, 2008 I have had truecredit.com since mid december and pull it every other day or so, sometimes every day. They are good if you ignore the pop up ads that they say you get as a gift for being a customer... Its only 14.99 a month, so thats not bad. The info is correct on it so far for me....Hope this helps and welcome! This place is great, you will meet some of the nicest people here.CloudX Link to comment Share on other sites More sharing options...
Freak Posted January 9, 2008 Report Share Posted January 9, 2008 While I don't have much knowledge outside of TC and PM123, from what I gather here, if you want what you seek, you'll need to go to the horse’s mouth. Yes, it is expensive, but there is no argument. If you have copies of your annual report, use those for disputes. You don't always have to have the latest to dispute. There are some "backdoor" ways to see/get your reports if you do searches, but I'm not sure if what you seeks exist for a cost anywhere near the cost of the 3n1 services. Link to comment Share on other sites More sharing options...
Ahntara Posted January 10, 2008 Report Share Posted January 10, 2008 If you want accurate data, go directly to the source. Contact the CRA's directly for a copy of your Consumer File. Link to comment Share on other sites More sharing options...
yiteurp Posted January 10, 2008 Author Report Share Posted January 10, 2008 If you want accurate data, go directly to the source. Contact the CRA's directly for a copy of your Consumer File.So there is no way to get daily pulls of you actual credit reports from the bureau's themselves Link to comment Share on other sites More sharing options...
Ahntara Posted January 10, 2008 Report Share Posted January 10, 2008 "...no way to get daily pulls..."I hope not. Why would you want daily pulls? The data couldn't possibly change that much each day. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted January 10, 2008 Report Share Posted January 10, 2008 "...no way to get daily pulls..."I hope not. Why would you want daily pulls? The data couldn't possibly change that much each day.Well most people send disputes, they want to monitor the CRA's actions. They want to make sure the CRA puts the "consumer disputes" comment on the tradeline, etc. Also, most people (like me) are obsessed with credit repair. So doing daily pulls is just the "fix" they need to get through the day. Link to comment Share on other sites More sharing options...
Recommended Posts