Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums - Camaro5.com
 
Anthony @ LG Motorsports
Go Back   Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums - Camaro5.com > General Camaro Forums > Camaro Price | Ordering | Tracking | Dealers Discussions


Reply
 
Thread Tools
Old 01-14-2009, 11:55 AM   #1
Rogue Leader
Iatefiberglassinsulation
 
Rogue Leader's Avatar
 
Drives: 2010 Camaro 2SS M6
Join Date: Oct 2008
Location: Long Island
Posts: 3,554
My Public Service Announcement - Credit Score!

Ok so since we have 2 months MINUMUM before anyone can even think about setting up financing on their new ride, now is the PERFECT time for you to check your credit score out.

Tip though.. Avoid freecreditreport.com and the other scams, there is ONE site you should go to.

http://www.annualcreditreport.com

That is the ONLY site endorsed by the government to allow you to contact all 3 credit reporting agencies and see whats on yoru credit report. 2+ months will hopefully be enough time for you to clear up any issues that may arise, and if you so choose these sites will also give you your score, for a fee. But the report is free at least.

Do it now before you are sitting at the dealership staring down an 11% interest rate because some shmuck opened 4 credit cards in your name. A better credit report will also help you get the best rate possible with your auto insurance company.
__________________
I'm Brick Tamland. People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded.

2010 Chevrolet Camaro SS - Daily Driver
2008 Chevy Silverado 2500 HD LT 6.0 - Tow Vehicle
1993 Volkswagen Fox - Race Car (yes seriously)

"Like" my race team on Facebook: http://www.facebook.com/farfrumwinnin

Last edited by Rogue Leader; 01-14-2009 at 12:09 PM.
Rogue Leader is offline   Reply With Quote
Old 01-14-2009, 12:05 PM   #2
Supermans
Camaro & Stang Enthusiast
 
Supermans's Avatar
 
Drives: 2011 Mustang 5.0 in Kona Blue
Join Date: Mar 2008
Location: Miami
Posts: 4,752
Quote:
Originally Posted by Rogue Leader View Post
Ok so since we have 2 months MINUMUM before anyone can even think about setting up financing on their new ride, now is the PERFECT time for you to check your credit score out.

Tip though.. Avoid freecreditreport.com and the other scams, there is ONE site you should go to.

http://www.annualcreditreport.com

That is the ONLY site endorsed by the government to allow you to contact all 3 credit reporting agencies and see whats on yoru credit report. 2+ months will hopefully be enough time for you to clear up any issues that may arise, and if you so choose these sites will also give you your score, for a fee. But the report is free at least.

Do it now before you are sitting at the dealership staring down an 11% interest rate because some shmuck opened 4 credit cards in your name. A better credit report will also help you get the best rate possible with your auto insurance company.
should I choose equifax, transunion or Experian when it asks you which companes to use?
__________________
Bought my Camaro from Eric Hall(817) 421-7266
Supermans is offline   Reply With Quote
Old 01-14-2009, 12:08 PM   #3
Ry4nVan
 
Ry4nVan's Avatar
 
Drives: Currently (Toyota Tacoma)
Join Date: Sep 2008
Location: Phoenix, AZ
Posts: 288
Yes. Thanks for mentioning this. When researching for my last vehicle, I was stupid enough to use free-credit-report.com to find out my credit score. It wasn't until about 4 months later that I realized free credit report isn't so ... 'free'

They were fraudently charging me $12.95 a month for something I never signed up for. They've had plenty of lawsuits about it but nothing big has ever come out of it because now they advertise this fee in small writing on their stupid commercials. They were taking my money without eveer asking straight from my bank account.


So I'm glad you brought this up... DO NOT USE FREE CREDIT REPORT.COM!!!!
Ry4nVan is offline   Reply With Quote
Old 01-14-2009, 12:08 PM   #4
Rogue Leader
Iatefiberglassinsulation
 
Rogue Leader's Avatar
 
Drives: 2010 Camaro 2SS M6
Join Date: Oct 2008
Location: Long Island
Posts: 3,554
Quote:
Originally Posted by Supermans View Post
should I choose equifax, transunion or Experian when it asks you which companes to use?
Check all 3, they are all free and it will allow you to try the others after completing one. Its is important for all 3 to be cleaned up as different finance companies can use any of the 3 services to rate your loan.
__________________
I'm Brick Tamland. People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded.

2010 Chevrolet Camaro SS - Daily Driver
2008 Chevy Silverado 2500 HD LT 6.0 - Tow Vehicle
1993 Volkswagen Fox - Race Car (yes seriously)

"Like" my race team on Facebook: http://www.facebook.com/farfrumwinnin
Rogue Leader is offline   Reply With Quote
Old 01-14-2009, 12:10 PM   #5
UCF w00t
Geek
 
UCF w00t's Avatar
 
Drives: IOM 2010 Camaro 2SS
Join Date: Oct 2008
Location: Orlando
Posts: 4,452
Quote:
Originally Posted by Supermans View Post
should I choose equifax, transunion or Experian when it asks you which companes to use?
Doesn't really matter. The best idea is to do a different one every four months since you get 1 free report from each per year. Usually something will be in all three but not always.

I ran into trouble getting my report from one (it was finding someone that wasn't me) and they needed me to mail or fax crap in so I went to a different one instead since I didn't feel like going through the effort.
UCF w00t is offline   Reply With Quote
Old 01-14-2009, 12:25 PM   #6
350 HRSS
GM Toyz Lover
 
350 HRSS's Avatar
 
Drives: GM Toyz
Join Date: Oct 2008
Location: VA
Posts: 1,079
I have had no problem with: www.truecredit.com
__________________
Angela
350 HRSS is offline   Reply With Quote
Old 01-14-2009, 12:26 PM   #7
Supermans
Camaro & Stang Enthusiast
 
Supermans's Avatar
 
Drives: 2011 Mustang 5.0 in Kona Blue
Join Date: Mar 2008
Location: Miami
Posts: 4,752
I heard that this hurts your credit score every time you do this..
__________________
Bought my Camaro from Eric Hall(817) 421-7266
Supermans is offline   Reply With Quote
Old 01-14-2009, 12:29 PM   #8
headpunter
Not That sad..considering
 
headpunter's Avatar
 
Drives: Man
Join Date: Aug 2007
Location: the part of washington the capital forgot about.
Posts: 3,747
Send a message via AIM to headpunter
Quote:
Originally Posted by Supermans View Post
I heard that this hurts your credit score every time you do this..
wrong. it doesnt, that would be like your bank pulling money from your account whenever you check your balance.
__________________
headpunter is offline   Reply With Quote
Old 01-14-2009, 12:32 PM   #9
Croathlete
Danny
 
Croathlete's Avatar
 
Drives: 2010 Camaro 2SS/RS
Join Date: Nov 2007
Location: NYC
Posts: 1,655
Send a message via AIM to Croathlete
I wouldn't check all 3. You get one free report from each company every year. I use it to check my report every four months to make sure everything is in order.
Croathlete is offline   Reply With Quote
Old 01-14-2009, 12:53 PM   #10
Rogue Leader
Iatefiberglassinsulation
 
Rogue Leader's Avatar
 
Drives: 2010 Camaro 2SS M6
Join Date: Oct 2008
Location: Long Island
Posts: 3,554
Quote:
Originally Posted by UCF w00t View Post
Doesn't really matter. The best idea is to do a different one every four months since you get 1 free report from each per year. Usually something will be in all three but not always.

I ran into trouble getting my report from one (it was finding someone that wasn't me) and they needed me to mail or fax crap in so I went to a different one instead since I didn't feel like going through the effort.
Woah! You should definitely clear that up if there is an issue. That same problem you are having a bank could have when trying to process a loan for you. You may have never had a problem in the past, but that doesn't mean it won't change in the future.

I had a problem with some of my dads accounts showing under my name (we have the same name different middle initial), since clearing that up we both make sure to always use our middle initial when signing up for anything.
__________________
I'm Brick Tamland. People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded.

2010 Chevrolet Camaro SS - Daily Driver
2008 Chevy Silverado 2500 HD LT 6.0 - Tow Vehicle
1993 Volkswagen Fox - Race Car (yes seriously)

"Like" my race team on Facebook: http://www.facebook.com/farfrumwinnin
Rogue Leader is offline   Reply With Quote
Old 01-14-2009, 12:54 PM   #11
Rogue Leader
Iatefiberglassinsulation
 
Rogue Leader's Avatar
 
Drives: 2010 Camaro 2SS M6
Join Date: Oct 2008
Location: Long Island
Posts: 3,554
Quote:
Originally Posted by 350 HRSS View Post
I have had no problem with: www.truecredit.com
Thats still a credit service you need to sign up for, annualcreditreport puts you into the free section imemdiately and does not require you to sign up for credit monitoring to access the site.
__________________
I'm Brick Tamland. People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded.

2010 Chevrolet Camaro SS - Daily Driver
2008 Chevy Silverado 2500 HD LT 6.0 - Tow Vehicle
1993 Volkswagen Fox - Race Car (yes seriously)

"Like" my race team on Facebook: http://www.facebook.com/farfrumwinnin
Rogue Leader is offline   Reply With Quote
Old 01-14-2009, 12:56 PM   #12
Rogue Leader
Iatefiberglassinsulation
 
Rogue Leader's Avatar
 
Drives: 2010 Camaro 2SS M6
Join Date: Oct 2008
Location: Long Island
Posts: 3,554
Quote:
Originally Posted by Supermans View Post
I heard that this hurts your credit score every time you do this..
Negative, when you hit your credit personally it has no effect, as well if you apply for insurance and they hit your credit that has no effect, they are both soft hits.

What does affect your score is if you apply for any sort of loan or credit. Those are considered inquiries and DO absolutely affect your score.
__________________
I'm Brick Tamland. People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded.

2010 Chevrolet Camaro SS - Daily Driver
2008 Chevy Silverado 2500 HD LT 6.0 - Tow Vehicle
1993 Volkswagen Fox - Race Car (yes seriously)

"Like" my race team on Facebook: http://www.facebook.com/farfrumwinnin
Rogue Leader is offline   Reply With Quote
Old 01-14-2009, 02:10 PM   #13
Supermans
Camaro & Stang Enthusiast
 
Supermans's Avatar
 
Drives: 2011 Mustang 5.0 in Kona Blue
Join Date: Mar 2008
Location: Miami
Posts: 4,752
Thanks, I just did the free credit report and have 0 issues..
__________________
Bought my Camaro from Eric Hall(817) 421-7266
Supermans is offline   Reply With Quote
Old 01-14-2009, 02:15 PM   #14
diddiyo


 
Drives: .
Join Date: May 2008
Location: .
Posts: 3,053
i only have a cc for a about 15 months now and checked my score for the first time two weeks ago. i was actually surprised about how high it already was.
diddiyo is offline   Reply With Quote
 
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Onstar....a spy???? please comment dieseldave24v General Automotive + Other Cars Discussion 138 02-23-2012 01:12 PM
Financing a Camaro, no credit history FFMaro Camaro Price | Ordering | Tracking | Dealers Discussions 71 08-31-2009 07:44 PM


All times are GMT -5. The time now is 02:11 PM.


Powered by vBulletin® Version 3.8.9 Beta 4
Copyright ©2000 - 2016, vBulletin Solutions, Inc.