Free CR then Buy?

[wingsfan76]

Should I just buy my report from all 3 CRA's,...One that sells 3-in-1,....or get free one to start out. I've read about the extra 15 days for validation on the free one but validation/collections isn't my real problem, it's late pays and one charge off. Second of all how do they know I'm using the free one to clear-up their mess.

It just really makes me sick that I have to give these a$$hole$ even more of my money.:mad:

Thanks for everyones help so far.....this site just might show me some light at the end of this long expensive tunnel. I wish I could go back on them for all the money in high interest I've been paying for years.:confused:

[chane]

Originally Posted by wingsfan76

Should I just buy my report from all 3 CRA's,...One that sells 3-in-1,....or get free one to start out. I've read about the extra 15 days for validation on the free one but validation/collections isn't my real problem, it's late pays and one charge off. Second of all how do they know I'm using the free one to clear-up their mess.

I would buy each report separately from each CRA.

It just really makes me sick that I have to give these a$$hole$ even more of my money.:mad:

I agree 100%.

Thanks for everyones help so far.....this site just might show me some light at the end of this long expensive tunnel. I wish I could go back on them for all the money in high interest I've been paying for years.:confused:

Don't forget to tell all your friends and family or anyone else struggling with credit about this site. We can save people a lot of money, time and headaches. Every consumer in America needs to know this stuff!

[Trish]

Yes, ITA :D

Buy your CRs separately first.
The only time I would recommend the free ones is if you just can't afford them.
One thing you can also try is ask the CRAs for a free report stating that you were recently denied credit. Worked for me a couple of times.