I thought the $45 credit report pull at the Houston library was a scam, but the printout proved me wrong

Skyler Robinson · 2026-11-03T15:35:04.301133+00:00

Last month I paid $45 for a full credit report pull at a library in Houston because my loan officer kept saying my file had issues I couldn't see on the free apps. I figured it was a waste and almost walked out when the clerk handed me 30 pages of paper. Turns out there were two collections from 2019 that I never knew about, and one was already past the 7 year mark, which the free sites never showed me. That paper copy is what got the lender to approve me for a home loan repair program. Has anyone else found stuff on a paid pull that the free apps just skipped over?

Vivisector

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I thought the $45 credit report pull at the Houston library was a scam, but the printout proved me wrong | Credit Repair Housing - Vivisector