Hi all.. i'm looking to get a credit report online ..where do you folks suggest i go ?? thanks!!!!!!

 

Just go to any of the big 3 credit reporting agencies web sites.

http://www.experian.com/consumer/index.html
http://www.transunion.com/index.jsp
http://www.equifax.com/

They all charge $9 for the basic credit report and $12.95 for a credit report that includes your credit score. The credit score is a rating that evaluates a number of items and gives you a score between 300 and 800 (the range varies by agency) with a higher number being better. This allows their subscribers to get a quick rating on your credit without having to wade through the full report.

If you have recently been denied credit because of something on your report then all three agencies will give you a copy of your report free of charge.

It's a good idea to check your report on all three agencies. The information on them varies because not all credit grantors report to all three of them. Annual checks are also a good idea.

 

www.myfico.com will give you your credit "score" as well as everything on your report for 12.95 I think it was. The score is what most credit issuers use to grant credit.

Hope this helps

 

thanks alot!!!!!!!!!

 

01sport is right, get a report from the all 3 of the places. There can be some major descrepancies (sp?) between them.When I got all 3, it was unbelievable how badly they had mine screwed up.One (equifax) had my credit and my dads combined into one report.The other two did not show that some of my visa bills were paid off,over 4 years ago.Luckily, I keep all my own records for things like this.It took about 3 months of phone calls ,letters and emails to get my credit seperated from my dads.after playing phone jockey,with the visa companies, they apoligized for their error and sent ceritfied letters to me and all 3 credit reporting agencies.About amonth later,the reports reflected my bills being paid off.......I learned that one should never assume that their credit report is right and I check mine once a year

 

This post brings up a good point I would like to get resolved but have no idea how to do. When I bought my truck my father cosigned for me. One of my major questions was who would be getting the credit (my father or me) as his name his first on the payment book. The salesman said I would be getting the credit and after two years of payments never being late, I still fail a credit check. I know dad must be getting the credit.
Can this be fixed and the proper credit transferred to me and will? Do I need to call the bank we are financed through and see if they can fix this or do I need to call the bank and have it fixed there for future payments and then deal with whatever credit agency? I thought I might even have to refiance this just to get it fixed right.
You would think I would get the credit as my names on the papers and even on the front of the payment book and all the checks have my name on it but each payment slip has my dads name on it.

 

Hmmm good question.
I would say pull your credit score...not just the report. if it is over 600 refi the truck alone (you may have to deal with higher intrest) deal with your bank or credit union. they ay be more willing if you dealt with them long.

You are probably both getting credit for the truck but it depends on what bad mark is on your report.

Hope this helps
Stan

 

Thanks for your help. I having been wondering about this for a long time. I really do need to get the record straight. I shouldn't have any bad marks on my credit as this truck was my first major purchase and I had never bought anything on credit. From what I have heard no credit is worse and harder to fix than bad credit nowdays.
The bank it is financed through is not my normal bank where I do business. My small bank of business couldn't compete with this larger banks rates. I probably do not want to refiance through my bank of business as I am thinking about switching banks as the current one is screwing me over and I no longer like their services. What's the min. account balance at your bank before a service fee?

 

Hello KYFordFreak,

I had a similar experience in reverse. I am the dad...LOL. Late last year my 21 year old daughter decide she wanted to buy a 2002 Mustang. She could have financed it with her own signature but the interest rate would have been around 12.9%...ouch.
Being the wonderful dad I am I got involved. We asked what would happen if I cosigned the note. They replied that if I had my name first we would qualify for a 6.9%.
This sounded good but I really wanted to have the credit go on her report. The salesman and finance guy told us that it would go on her report as well as mine. So we decide to go for it. By this time it was 9:30 at night and the finance guy being in a hurry to AMF, made a mistake and set it all up under her name with me as the second. I said nothing...LOL.
3 weeks later this trol calls and tries to act like the deal was off because he could not finance her at 6.9%. he wanted us to come in and fill out new papers in my name with her second.
Attorney time!!!!!!!!!!! He tried telling me that it would still go on her credit even if in my name first. This time I checked with my corporate attn. His firm let me know that this was B.S. The credit would not help her if it was in my name first.
Lonnnngggg story short....I told Middlekauf they could have their Mustang back along with the 1200 miles she had racked up...LOL.
We worked it out. It is in her name first with me as co-signer.
The car is not on my report, but is on hers.
You may be able to get the finance company to report the credit to the major agencies...but it is not required that they do this on the cosigner...only the name that is first.
The story does change for a spouse, which is equally liable for your debts.


Rocks

 

Here are links to the 3 major agencies. You can get your reorts and scores online at all of these.

I just noticed 01Sport already posted the links....oops

Here you can check out the laws....

http://www.ftc.gov/


Hope this helps you.

 

Rocks
Thanks for your reply, you know exactly what I am dealing with. My story is very similar, late at night, people in a rush to sell a truck but they didn't make a mistake they put my name second on purpose but the saleman and the little lady that was the finance manager assured us I would get the credit too. After I failed a second credit check in two years just for some stupid little item I knew for sure they had BS'd me big time.
I guess you live and learn. We went back there one time and were told the salesman and the finance manager " moved on to other careers". They did provide me with a phone# to the bank but didn't seem to interested in helping me. If it would have been in the first month or two of purchase I would have parked that truck in their showroom but not through the regular way. Freaking crooks, not much better since they changed hands either. It's a shame how some delaers are great and some are just horrible. I guess each one is good to someone and bad to others.
If I've got all the cancelled checks proving I paid every penny of the payments do they have to transfer the credit to me? I would think they would have to at least go back and give me what credit I deserve even though I had a cosigner. Then I could refiance in my own name and probably with todays rates and new credit I could keep the same rate or better.
Take care, Thank you again.

 

I had to have a cosigner when I leased my first F150 back in 98.(I had just gotten divorced & was trying to fix the finacial mess that the ex had gotten us/me into)Long story short, the dealer put my name first,but my paments were higher than if my name had been second.No big deal, I could afford it.Well, about a 1 1/2 years after I started the lease Ford Motor Credit started sending me letters saying that I was qualified for my own loan/lease with no cosigner.I just kept throwing them away(I was happy with the truck).The Loan amount I was qualified for just kept going up and up and up and before I knew it they pre qualified me a loan of up to 28,000 with a 6.9apr.New truck time

Your name really does need to be 1st in all the paperwork,that way you will definately know its showing on your credit.I have noticed (at least w/ ford motor credit) that while my overall credit score hasn't changed that much that certain banks you have financing through will extend you better interest rates/give you a loan/lease in your own name because you have proved your credit worthiness to them.I still get letters from another bank that my 1st car was financed through saying I am pre approved (too bad Ford Credit gives me way better interst rates).

 

It depends on if you are second or the co-signer on the loan.
If both names are on the loan, and there is no co signer you will get credit for it. This is what happened with my first new truck. My Dad's name was first, mine was second, and there was no co-sginer, and it showed up on my credit report.

Some dealers *might* try to put down your Dad as the primary and you as the co-signer, so both names are on there, and your dad's rating is the only one used for the credit rate ( if yours would drag down you dad's ). Sound kind of stupid that you would co-sign for your dad, but some dealers do this as as way to close the deal, so you see both names are on the loan.
The co-signer gets no credit for the loan what so ever, and actually has this show up on thiers as a outstanding loan ( kind of stupid, you get no credit and all the "blame").

If your name is truely second on the loan, the credit agencies might never see the second name on the account.
The wife and I have different last names, her name first line, mine scond lines on 2 lines on all the bills, and all the stuff shows up on her, guess that the data entry was always set up for a single liine.
If your name is actually second, you would need the cancled checks, and the load paper work, and start workng the phones to get this loan added to your rating as well.

It all comes down to how the origional loan paper work was filled out at the dealer, and the semantics of "second name" on it.
Some use the terms ( second name / co-sginer ) interchangably, but a second name on the loan, and a co-signer are 2 differnet things.

Get your copy or get a copy from the bank, and start reading the sections under where your names are to find out what area you fall into, second name or co-signer.

Also if you go and refi, you would need to look at the loan value of the truck, to see if it would even cover what you owe. Depending on how much you put down, and how big your payments are, you might not be able to get the amount your owe on the first loan to get it converted without haivng some cash to add to it at "closing". Example is if you got a 5year loan, with 1000.00 down. I would think the loan value of the truck is much less then what you owe, but if you put down 3K with a 36 mo loan, then you might clear the loan vlue of the truck, just depends on what you got left.

Sorry it is not a yes or no you get credit answer.....

Good luck.

 

Hello KyFordFreak,

Most auto loan providers will not simply transfer credit from one person to another.
Generally you will have to refinance the auto. This is also a topic I have learned about in the past year.
Two years ago I started a business(HVAC). One of the very expensive costs I have to incure is purchasing vehicles. I have my company incorporated but at the beginning the company did not have credit established. I had to buy our service vans in my name. This obviously put alot of weight against my credit. Too much of a good thing, if you will.
The company now has a suffecient track record that I can now put vehicles on the company rating. I presently have five vehicles in my name and two in the company name. The two don't show on my report. The five do and makes lenders wonder how I can pay all these bills. I have attempted transfering the vehicles and have not been able to get it done. The lenders on the vehicles have all said they would allow me to refinace them, but I am upside down on the notes and it is not wrth the cash flow it would suck up to do it.

Point being, I doubt that they will allow a simple transfer of credit. It is important that you check all your credit reports with the 3 main bureaus. There is the possibility that there is some other negative on your report that you don't even know about. There is no law stating that the credit bureaus have to tell you if someone has put negative info on you.

Rocks

 

Rocks
What you say does make business sense. I hate hearing I might get screwed fixing someone else's maistake. We didn't know who would get the most of the credit and we asked. They should have known or at least came out with the truth.
Yes there is a good chance that someone has bad credit info on me as I have a very common first, middle, and last name. As a matter of fact there's another person with the same name in my county and a person with the same name as my dad living within 1/2 a mile of us.
Is there anyplace I can get all 3 reports for one price?
Thanks for your help.