sponsored by the government where you can check your credit once every 12 months?

I'm looking at buying a new car and would like to see my credit as it's been over a year since I've really checked... I'm sure it's good but I'd like to know how good...

[Edited on January 22, 2008 at 12:55 PM. Reason : ugh.. nm.. found it in the lounge.. move along.. nothing to see here]

1/22/2008 12:54:36 PM

damn i might be able to find it if i dig through my emails. i used it and got reports from 3 agencies. i also disputed some things that were ridiculous and they were removed. i dont think my identity was stolen or anything, it was more like a few things with my same name but they couldnt provide an SSN or something and it had to go.

my credit is WAY better than i thought it was. i forgot about how it renews itself over 7 or whatever years, leaving only the good stuff on there. was also hard to believe that i went a 10 year period without a credit card at all. finally broke down and got one about a year or so ago

1/22/2008 12:59:00 PM

http://www.annualcreditreport.com

1/22/2008 1:05:40 PM

http://www.freecreditreport.com i think you have to sign up for some stuff, and then cancel it after you're done viewing...

1/22/2008 1:23:30 PM

^ That's not the government one.

1/22/2008 1:23:59 PM

http://www.youtube.com/watch?v=zMXv0__CYSU

1/22/2008 1:26:18 PM

Ugh... what the fuck. I got denied an auto loan from Wells Fargo with a 720 credit score... Maybe it has something to do with being a full time grad student again but come on.. I can EASILY afford to make payments.

1/23/2008 12:09:58 PM

you have loans from the fed?



I have a superb beacon score, but i can't get a loan for $500 without a co-signer because i already owe the state so much.

1/23/2008 12:15:04 PM

One stafford loan that I'm probably gonna pay off before I even finish grad school

1/23/2008 12:46:31 PM

I'm sometimes tempted to enter my info to see if they even have a record of me, since I've never used credit or borrowed money, but I don't want to create a file for myself.

1/23/2008 5:06:42 PM

you can actually go to the websites of transunion, experian, and equifax to get your free credit report.

1/23/2008 5:07:53 PM

I'm thiiiiiinking of a number

1/23/2008 5:09:06 PM

Quote :

"I'm sometimes tempted to enter my info to see if they even have a record of me, since I've never used credit or borrowed money, but I don't want to create a file for myself."

Might want to get on that if you ever want to live someplace where you won't be paying rent...

btw, I wasn't denied. I asked them to review again after the email and they called me and approved at a 8.5% APR up to $40k... which isn't great but it isn't horrible either.

[Edited on January 23, 2008 at 5:13 PM. Reason : '05 Acura RSX Type S ftw...]

1/23/2008 5:11:41 PM