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The Watercooler
Credit report question
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<blockquote data-quote="svengandhi" data-source="post: 317849" data-attributes="member: 3493"><p>Some months ago, I got turned down for a very small loan. I got my credit report and then I bought credit monitoring on my account. I pay $16 a month but the first month I was able to go completely through my report and put in on-line challenges and responses to things I contested in my report. In 8 months of monitoring and working really hard to be on time, I have brought my credit rating up 150 points. I get a report by email every month and I can put in whatever I want. I plan to try and get it up to a certain level and then try to refinance the house. After that, I will discontinue the paying service but for now I think it's worthwhile.</p><p></p><p>The other day, when I paid the credit card bill on line, I saw that they were now offering free credit monitoring. Since the card is in H's name, I can now get his as well.</p></blockquote><p></p>
[QUOTE="svengandhi, post: 317849, member: 3493"] Some months ago, I got turned down for a very small loan. I got my credit report and then I bought credit monitoring on my account. I pay $16 a month but the first month I was able to go completely through my report and put in on-line challenges and responses to things I contested in my report. In 8 months of monitoring and working really hard to be on time, I have brought my credit rating up 150 points. I get a report by email every month and I can put in whatever I want. I plan to try and get it up to a certain level and then try to refinance the house. After that, I will discontinue the paying service but for now I think it's worthwhile. The other day, when I paid the credit card bill on line, I saw that they were now offering free credit monitoring. Since the card is in H's name, I can now get his as well. [/QUOTE]
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