I am looking to obtain a TRIMERGE and IN-DEPTH FILE of my credit report, not a snapshot. I mean like the ones used by loan officers and mortgage companies. I live in Atlanta, Ga. Any clues? This is for serious answers only. I'm trying to accomplish a great goal...credit clean up. Thanks.
2007-07-15 13:54:43 · 3 answers · asked by lamonross80 2 in Business & Finance ➔ Credit
Any credit report is a "snapshot" of what is on the report at that time. If you want to view your credit report you want to go to http://www.annualcreditreport.com . This is the government ordered site that allows you to get one free credit report from each of the 3 main agencies(Equifax, Experian, TransUnion) per year.
If there are any errors you need to dispute them with each company as they are not linked together.
2007-07-15 15:12:26 · answer #1 · answered by OC1999 7 · 0⤊ 0⤋
OC1999 is right. All credit reports are simply a snapshot of what's going on with your credit at that point in time.
Personally, I think consumer credit reports are easier to read, so I don't think you should try to obtain one that loan officers and mortgage companies use.
Go to annualcreditreport.com and pull one report from all three bureaus and you should be able to see everything.
Good luck!
2007-07-16 03:21:56 · answer #2 · answered by YSIC 7 · 0⤊ 0⤋
you're entitled to a free copy of your credit report every year
search for "free credit report" on google or go to experian.com. I forget the other 2 credit bureau names right now
2007-07-15 14:00:19 · answer #3 · answered by Anonymous · 0⤊ 0⤋