Question by Lady Maria: credit Report?
OK, I’ve never really understood the whole credit thing. And i dont know if i have bad credit or no credit…but, i can’t seem to get a credit card from anywhere to even build credit? Where is the best place to check out my credit report safelly and help me understand in laymex trems about everything?
Best answer:
Answer by vampyre1282
www.Annualcreditreport.com is a true free site. there is no signing up with a credit card or anything it just asks you a few questions. Now if you have ever had a cell phone or cable bill or layaway things like that and dont pay they will put the nonpayment on your credit report.
Know better? Leave your own answer in the comments!
There are three reporting agencies (Transunion, Experian, Equifax). You can search for each one on the internet. You can obtain the reports from them. There is a free guide at http://www.your-credit-soltuion.com that explains credit repair and debt management. You should check it out also.
Good Luck!
Check with your bank to see if they have a credit builder card. That is what I did. The credit limit is kept low for the first year – like $ 500 or something until you prove that you can handle it. If your bank doesn’t offer this, try going to a department store, like Belks, Sears, or JC Penney and getting one to build your credit.
If you have been denied credit, the company has to tell you which credit reporting agency they used and you can get a free copy from them.