Anyone have any experience or ideas to fix my own credit?

[Saul Good]

Originally Posted by ChiefsNow

I pay cash for everything right now. I've got 1 neg thing showing on my credit right now and my score is now 640. I am not looking to go in more debt, but just want to fix mine in case I do in the future. I don't have any debt. No car payment, no house payment anything. I just did not used to give a shit before. Now I do. I do not know what the neg thing is. How do you get your credit run from all three agencies free? everytime I do a search , it looks like a scam. I may want to invest in something ,rental property or something in the near future that the renter pays the bill,but I want to get my credit better before I even try.

You can get your report for free once a year each from (going from memory on the names) trans- union, equifax, and experion. You won't get a score, just a report.

Assuming that you have a few bills in your name, you should be fine if you clear up any outstanding issues and keep your nose clean for a year.

I have no debt other than my mortgage, and 2 of my scores were in the 790s and one was over 800. (I just closed on a new mortgage last week.) I don't even own a credit card.

There really isn't a need to go through gymnastics to improve your score. You'll just wind up costing yourself money and headaches that way.

I'm not a big real estate guy, but I have dabbled a bit. To me, it wasn't worth the hassle of being a landlord for a single property. If you get a bad tenant or no tenant, you are going to have to feed cash into the investment property. There is a lot of money to be had if you know what you're doing, though. The key is to make your money at the buy.

Good luck