Credit.com VS Annual Credit Report

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: 12 months ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: about 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: about 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: about 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: about 1 year ago

You can also continue to access your full credit reports (no scores at all) via this official service: http://annualcreditreport.com/index.action. Source: almost 2 years ago

Check your credit reports. http://annualcreditreport.com/index.action. Source: about 2 years ago

First, check all three of your reports. Use http://annualcreditreport.com/index.action if you haven’t already done so. Source: about 2 years ago

Reporting differences could be another. You can view your 3-bureau credit reports for free at http://annualcreditreport.com/index.action. Source: about 2 years ago

Experian’s service (paid or free) is more useful for comprehensive score monitoring than CK, but CK‘s daily updates can be useful to monitor for any unexpected/fraudulent activity. You can also check your credit reports (no score) for free every week at this official site: http://annualcreditreport.com/index.action. Source: about 2 years ago