I'm looking at getting a copy of my credit report to verify a few things on it. Does anyone have any experience with this process? Has anyone used the website www.annualcreditreport.com? Any advice would be much appreciated. Thanks.
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Credit Reports
- Thread starter KSUFLY
- Start date
Raptor2216
Registered User
If you have USAA, you can just get it through them. It costs $4.75/month(or something close) and you can check your credit score and get a credit report whenever you want...well worth it in my opinion.
joshmf
Member
I believe by law all three credit agencies have to provide you with a free copy of your credit report once a year. You can either look at all three at the same time, or one every four months like I do. I'd suggest looking into that before paying a provider to what you can do yourself for free.
Call this number 1-877-322-8228 and follow the bouncing ball
It's free and they'll send you the reports by mail. I've used this FTC free service a few times.Steve
Brett1
Banned
I use truecredit.com and have been pretty satisfied. The scoring is slightly lower than actual FICO but they do have online disputing and a few other handy features. You gotta stay on top of this stuff now because so many collection agencies will just stack things on your credit without rhyme or reason.
jride200
Member
Could someone please comment upon the negative effects of poor credit upon an officer's career (security clearances, etc.)? I'm not a dead-beat, please, this is not the case. In the midst of a divorce (which will inidentally not be finalized before, and will have a portion of my mind @ OCS...F**K), I have come to find out several late payments have been made on joint-debts which she agreed to pay at the time of seperation. Paging MB.....
Background investigators do pull credit checks, and will ask you about anything of interest - including things like "Why were you 30 days late on a credit card payment in March 2001?" (True question from my last investigation...) They will look for things like excessive credit card debt, or anything that would look like it is beyond your means to pay. I don't have a good handle on what would constitute an actual debt threshhold or poor credit score where they would say "Deny", but it's most likely out there somewhere.
Things like divorce are incorporated into the assessment to a large degree, but bad news is still bad news. On my last investigation, they seemed much more interested in credit history info then they were on my previous updates - don't know if that represents some sort of institutional shift in focus.
For what it's worth, I've been in this business a long time (18+ years), and have yet to ever hear of or know anyone who was declined or had a clearance revoked because of credit report issues. Then again, I run with a high-brow class of peoples, so that ain't sayin' much...
MasterBates
Well-Known Member
I would not know about the ex not paying joint debts.
I got ALL the debts. And pay them.
I got questioned about my high debt to income (student loans, lawyer bills and loans for them, ex's car and house) but when I explained the situation for the DONCAFF (whatever they are called) investigator, they were satisfied.
I got ALL the debts. And pay them.
I got questioned about my high debt to income (student loans, lawyer bills and loans for them, ex's car and house) but when I explained the situation for the DONCAFF (whatever they are called) investigator, they were satisfied.
MasterBates
Well-Known Member
Plus no TS = NO E2
phrogpilot73
Well-Known Member
Wouldn't bad credit be a disqualifier for C2?!?
Let's just say that a C-2 cruise really helps with debt.
MasterBates
Well-Known Member
I'll just say that one average C2 Gulf Cruise will wipe out most of the ex's credit card debt that I got whacked with...
Not why I want COD, but its a nice bonus.
Not why I want COD, but its a nice bonus.
I only know of one instance. A buddy of mine on a disassociated sea tour had to go on a short notice 2 month stint to fill in for someone who lost her security clearance. It sounds like she had major debt and credit issues, lost her clearance, "lost" her deployment, and my buddy had to take up the slack.