How to get free credit report Utah

I also have a Washington Mutual credit card, specifically because they have free credit monitering (including your credit score). I dont think it would hurt to open the account, use it once to activate it, and then just cut it up once you pay it off. Also (and I may be wrong) I think if you have ANY Washington Mutual account (savings account, checking, etc) they offer free credit montering as long as you manage the how to get free credit report Utah account online. I how to get free credit report Utah wrote a similar how to get free credit report Utah article back on January how to get free credit report Utah 23, titled Smart Planning will get you 3 Free Credit Reports per Year. free credit re port You can view the article here: http://20somethingfinance.com/blog/2008/01/23/what-is-a-credit-report-and-how-do-i-get-mine-for-free/ Unless youre going to be buying a house within a year or so, checking your FICO score regularly is like checking your mutual funds on a how to get free credit report Utah daily basis. Its kind of fun, but it doesnt do you any good in the long run. After selling my first house and apply for a mortgage on a second, my FICO actually dropped and I had no new credit accounts, increased credit limits on my existing accounts, and no bad debt whatsoever. clark howard free credit report I run a small housing counseling agency (www.raahc.org) and we are able to soft pull credit reports for free with scores (doesnt include Equifax). We use it to work with people who how to get free credit report Utah want to buy a house but arent sure if they qualify. To find a housing counseling agency in your area, go to http://www.hud.gov how to get free credit report Utah and click on the link to housing counselors.

I wont vouch for the quality of all, but we use a special program developed by Freddie Mac that not only allows us to make the pull, but it also lets us know if someone is ready to apply for a mortgage successfully. credit fraud protection If they arent, we are able to look at specific issues that need to how to get free credit report Utah be addressed to prepare them to see a mortgage lender.