Katie asked:


How can I find a free credit report without having to use a credit card number. I don’t own a credit card. Is there any one that is FREE and doesn’t require a credit card.

G-M-B-A asked:


Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .

–BUT the debt is never actually deleted from the credit report that you and the CRA have access to.

So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.

Is this correct??

I am asking because in previous answers to my “pay for deletion” questions, alot of people are saying that debts are never 100% deleted from credit reports.
So that makes me wonder what the phrase “pay for deletion” means exactly?
Thanks!

Wendell asked:


I filed bankruptcy in 2008 and discharged same year. My Credit Score is still Zero, How can i rebuild my credit score again. I got a 2 secured credit cards, 1 from USBank and the other from Golden1 Credit Union.