Best website to get all three credit reports and scores.

www.annualcreditreport.com

There are couples of websites available where you can get the credit report and the score but I'm afraid they all would charge fees to offer you the info. Why would you pay them when you can receive free reports from each of the CBs once in a year?

I've gone through Annual Credit Report (dot) com. The only thing I don't like is you have to pay for you score. But..I guess if you want to know 'where you stand' (credit wise) you'll pay for it.

As far as I know, the only way you can get a free Score is to sign up for a Free Trial for a credit watch service, and then cancel before the trial period is over (make *sure* you remember to cancel). I have done just that before.

Also, I want to ask (your advice is great, by the way..) is if you have debts that you KNOW should have been already 'fallen off' your CR, and they are still on there, can they be 'disputed'? What are the chances (if you know..) that the CB's will remove them?

Thanks!

They should remove it automatically, frankly. In your dispute, specify that the Default date, ##/##/##, is past 7 years and 180 days from the present date and they need to remove the offending tradeline immediately, per the SOL.