I need help with annual credit reports

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2 posts
Green Member
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Joined: Sun Sep 01, 2013 8:39 pm
Location: USA

I need help with annual credit reports

Postby downloadingnancy » Wed May 21, 2014 8:45 am

I started building my credit for almost a year now. I tried getting my annual credit report maybe two months ago but I wasn't able to idk why. I answered all the questions they asked correctly but they said they needed prove it was me on all three bureaus. Idk if this is normal or something is up so I'm a bit worried. Anyone have any ideas why I wasn't able to get my report?? :(

Also is it best to pay full balance before, on or after your billing cycle ends?
Thanks!! :)

Centurion Member
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed May 21, 2014 9:39 am

I'm not sure why. I've had them give me the same thing asking me to call or mail, and I just said to hell with it, it wasn't worth the trouble.

It really just depends. If you are talking about your personal convenience, it's probably better to pay right after your statement cuts, so you pay them once a month but you don't pay interest, if your limit allows that.

If you are talking about your score, then you should pay all cards to 0 BEFORE the statement hits except for 1 card - leave a small amount, typically 1-5% for best score, on that one card, then pay after the statement cuts.

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