Thanks to myFico…
I have been reading and following the advice on this board since January of 2009. Back in April of 2008 I finalized an unfortunate divorce. I've always valued my credit scores and was taught well by my parents to be wise with your money, so even through that process I didn't get into credit problems. Or so I thought. I didn't know there was anything wrong until I sat down with a mortgage company in January of 2009 to try and buy a home to restart my life. What I found out was that my credit was a disaster. I litterally took off work the next day to figure out what was going on. I signed up to use the Experian CreditCheck Monitoring through my bank (USAA) and found out what was wrong. My ex-wife had missed 9 months of mortgage payments on the house she decided to keep with my name on it, and also without my permission used my name and SS to co-sign with her on a car, which she had repossesed about 6 months after purchasing it. My scores the lender pulled were EX-570, TU-571 and EQ 573. It was embarrasing thinking all was well and I'm ready to buy and they look at me like I planned on stealing the house from them! I tried to go through every thing I could, calling the bank, car loan company, attorney general's office, and more to try and get it remedied with no luck. So I figured if I were going to make anything happen, it would just be hard work. And I started then with regular dispute letters and GW to the creditors. Lot's of rejection and seemingly no luck. I was following advice of the members here and being encouraged by the stories I was reading, but it just didn't seem to be going anywhere. In February of 2009 I met the most amazing woman and we married in January of 2010. At that time we decided we were going to start the process of getting things to a place where we could buy our own home. Her payment history was flawless, she just had 50k in student loans and 97% utilization of her credit cards. At the time we had (together) 11 credit cards, all basically out from the move and wedding. But I was determined to provide my wife and family the home we deserve and not be crippled by our my credit
Categories: General Credit Tags: Bank, Credit, experian, experian-credit, house, monitoring, student-loans, TIME, wife
Breach of Contract? Security System Monitoring Contract
Is this a breach of contract? Do I have the right to sue them in small claim court to terminate this contract
Categories: Mortgage Tags: continue-paying, contract, contracts, warranties, legal, monitoring, months-contract, months-security, Performance, remove-or-move, security, security-system, several-alarms
HELP ! Calling all brains!
Oh, this ones a doozy! Ok, I have Equifax Complete, paying $14.95/mo for it. Have had it for two months - really liked it. So, in November, hubby decides he's going to get it too, fine by me.
Categories: General Credit Tags: brains, confirmation, doozy, draft box, email, equifax, hubby, monitoring, name social security, receipt, social-security
TU report access
I was wondering where to get your credit reports and took another look at llecs' excellent Credit Monitoring Service (CMS) Guide but I still have these nagging questions. If you checked your myFICO TU eight hours ago and CreditKarma just after midnight and the TUcs site is broken, but you need to see within two hours if a change has updated your TU credit report, where would you go? The score doesn't matter
Categories: General Credit Tags: another-look, Credit, credit-report, credit-reports, eight-hours, Guide, look-at-llecs, monitoring, myfico, score-doesn, see-within, these-nagging, tucs
USAA CreditCheck Monitoring Premium Members…
Just thought I would share with everyone that I called to cancel my CreditCheck Monitoring (3-in-1) and they said since I have been a long time member, that they were going to offer me 3-in-1 monitoring at 50% off for an entire year if I chose to keep it. So my new monthly subscription is now $6.13 per month for my daily puller :) Just as background info...
Categories: General Credit Tags: creditcheck, daily, daily-puller, entire-year, hook, maybe-give, monitoring, said-since
Fico Monitoring
Does Anyone Know This Answer I Had Fico Monitoring My Credit For 7 Years And My Score Was Good 757 Then I Switched Over To Bank Of America And Didn't Open My report I Just Figured It was The Same That Was In April I Just Opened It And To My Horror They Dropped My Score To 600 And I Have Called ANd They Are no Help What Do I Do, This Is A True Horror Story I Want To Refinance My House What Do I Do I'm Shocked.
Categories: General Credit Tags: america, answer, called, dropped, figured, horror-story, monitoring, ReFinance, switched, years
Help please…sort of in high anxiety mini panick
I store a lot of PDF files of financial documents on a back up drive. Usally does not go anywhere but I needed it so I took it with me and then lost it!!! What do I now. I probablly have statements on there from retirement accounts and bank statements. Probablly some email address but no paswords included I do not think. But there is a chance that one has my SSN number on it with birthdate. AM I SCREWED? Please help.
Categories: General Credit Tags: articles-out, dense, monitoring, pdf, probablly, the-google
USAA Credit Monitoring Service
I currently subscribe to USAA"s Premium Credit Monitoring Service. In the process of rebuilding my credit so I'm obsessive about my credit report. Is it worth it to stick with USAA's service or should I purchase a subscription to myFico
Categories: General Credit Tags: Credit, credit-score, monitoring, new-inquiry, only-charges, personal-information, premium, premium-credit, process, service-or-should, the-process, usaa
Beware Of CreditReport.com
I noted on my credit card statement that CreditReport.com had charged me $12.95 for SSN monitoring. First of all, i don't pay for anyone to monitor my SSN or Fico Score, etc. These things I can do myself and besides, i have a Freeze on all 3 CRAs; which is updated every 90 days'. I had contacted CreditReport regarding this monitoring service and was told, i ordered the Monitoring. Well, for lack of a better term; their lying to me. I am very anal about pulling my reports and getting my Fico almost every 3 months. I know exactly what's on my reports and since the Freeze placed on all 3 CRA, there has not been any attempts of thief on my credit. I had to contact my Credit Card Company, who stated they will reverse the charge. Besides, anyone I use on the internet are on my favorites, for which CrediReport..com is not one of them. In fact, their emails go directly to my spam file, which is exactly where the cancellation email went to this afternoon. Years ago, a friend of mines told me; "Everyone is a Racket" and believe them; these people are...
Categories: General Credit Tags: afternoon, Credit, credit-card, freeze, Internet, monitoring, reports, spam, updated-every
Reporting to Experian, Equifax, Transunion
Hello, I'll bet my questions have been asked before. Sorry for cluttering this board if I am/and or delete/move this post to it's proper place if I'm in error, and or direct me where I need to go with all this. Since November 2009 I've been monitoring my credit and the scores on all three bureaus
Categories: General Credit Tags: aforementioned, Auto, Bank, Credit, credit-card, equifax-credit, monitoring, potential, scores, secured, since-november, technically, TIME, trans-union