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General Discussion
Best credit report website?
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<blockquote data-quote="Shortbus" data-source="post: 607509" data-attributes="member: 4418"><p>I suggest going directly to the big three reporting agencies, you get one free report from each once every 12 months. You could get them all at once or space them throughout the year. Also, how long ago do you think this debt is from or last paid on? If it's been a certain number of years it could hurt you more by bringing them current, if you're wanting to buy within a year. It may not hurt you if you pay them off, you'd need to get some good advice from an actual mortgage agent. Also changing things with insurance and banks can hurt your score. Biggest thing is once you get approved, don't make any changes until after you close. Those unpaid items need to be paid off soon, but I'd find out if it's going to help or hurt you with this purchase first.</p></blockquote><p></p>
[QUOTE="Shortbus, post: 607509, member: 4418"] I suggest going directly to the big three reporting agencies, you get one free report from each once every 12 months. You could get them all at once or space them throughout the year. Also, how long ago do you think this debt is from or last paid on? If it's been a certain number of years it could hurt you more by bringing them current, if you're wanting to buy within a year. It may not hurt you if you pay them off, you'd need to get some good advice from an actual mortgage agent. Also changing things with insurance and banks can hurt your score. Biggest thing is once you get approved, don't make any changes until after you close. Those unpaid items need to be paid off soon, but I'd find out if it's going to help or hurt you with this purchase first. [/QUOTE]
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