Posted on: 17th Apr, 2012 09:32 pm
Hello there. I will be debt free of my credit report in around 2 month’s time. Though it was a long struggle, I am proud of it. But one fact that I’m ashamed of is that I haven’t pulled my credit reports for a long period of time. So I know that I need to pull them and work on repairing my credit, for my future. I’m planning to buy a home in the future. So, should I pull them now and begin this process? Or should I wait until after my accounts are fully paid off?
Hi Janny,
It depends on your situation. Did you have debts, but not delinquent? Did you have collections and late payments which you corrected? If it was myself, I would pull my credit. You can do so for free from annual credit report.com or you can get your scores if you pay the fee from one of the credit companies. THen you would know what position you are in now, and what you can expect once your items are cleared. Dont let people pull your credit, until you are ready to move forward. Each inquiry affects your credit. If you pull it yourself, its a soft pull and not against your credit. Good luck
It depends on your situation. Did you have debts, but not delinquent? Did you have collections and late payments which you corrected? If it was myself, I would pull my credit. You can do so for free from annual credit report.com or you can get your scores if you pay the fee from one of the credit companies. THen you would know what position you are in now, and what you can expect once your items are cleared. Dont let people pull your credit, until you are ready to move forward. Each inquiry affects your credit. If you pull it yourself, its a soft pull and not against your credit. Good luck
Hi Janny,
Once your accounts are fully paid off, your credit score will get improved automatically. However, if you wish, you can start improving your credit score immediately. If you take steps right away, it will help you in improving your credit score which will in turn help you in getting qualified for a mortgage.
Once your accounts are fully paid off, your credit score will get improved automatically. However, if you wish, you can start improving your credit score immediately. If you take steps right away, it will help you in improving your credit score which will in turn help you in getting qualified for a mortgage.
