How to get free credit report Watertown

The bureaus treat a "self-disclosure" as a nonevent. Obviously, you're not checking your report to see whether you should lend yourself money. You could how to get free credit report Watertown check your report every week and it wouldn't how to get free credit report Watertown hurt your score one bit. There are other inquiries how to get free credit report Watertown that also don't hurt you. Most creditors pull your file at least a couple of times a year to make sure you're still the credit risk they thought you were the last time they checked.

Another that doesn't count: "promotional" inquiries. These are made by companies that have purchased your basic information without your knowledge and want to consider soliciting you for some kind of credit offer or business transaction. There's one big thing you how to get free credit report Watertown should guard against: If you get your own credit report through another company and how to get free credit report Watertown not directly from the credit bureaus, it could count as an inquiry by an outsider and could how to get free credit report Watertown hurt your score because technically, the request to the bureaus isn't being how to get free credit report Watertown made by you. online credit reporting You should get your report only through the three major bureaus. These Web sites are OK to use: www.annualcreditreport.com www.myfico.com www.equifax.com www.experian.com www.transunion.com how to get free credit report Watertown My husband and I have been looking to buy a home and, as we've toured neighborhoods, we see houses with real estate signs, but we can't find the homes on the multiple listing service for several days. How long does it take for agents to post information? K.S., Solon It takes only a few minutes but the agents aren't putting the how to get free credit report Watertown information in right away. official credit report By their guidelines, real estate agents are supposed to post a listing on the multiple listing service within 48 hours after the home is for sale -- meaning a sign in the yard. I'll bet, though, you're seeing this on Thursdays or Fridays. Agents have told me how to get free credit report Watertown they like to start advertising homes on a Thursday because that 48-hour window doesn't include nonbusiness days. So if a sign goes in a yard on a Thursday, the agent would not have to put the home on the MLS until Monday.

That would give him Thursday, Friday, Saturday and Sunday to possibly sell that home with no other agent involved -- meaning he'd get the whole commission. Today's rant: Rest assured, Nicole in Parma Heights, I'm not going to steal your identity even though your job application at the Taco Bell on Pleasant Valley Road in Parma sat on the front counter in full view for at least a half-hour during dinnertime on June 13. annual credit report