"Free" credit reports

[Jeffro600]

Are there any truly FREE credit report offers out there? Like ones you dont have to sign up for a subscription to some stupid magazine or credit monitoring service??

I usually use one of the ones that you have to sign up for a month free of some credit monitoring service then its like 10-15 bucks a month afterwards, but always seem to forget to cancel the damn thing before i get charged... :mad:

[ZappBranigan]

I thought you could request one free credit report per year? And IIRC if you ever get denied credit you can request a free credit report from all three bureaus, or at least you used to be able to do so.

[theirishavenger]

Yeah, we did that last year. Just google "free credit report"? All we did.

[TJay]

http://www.annualcreditreport.com is the only true free report.

I usually just check one agency at a time so I can kinda keep tabs on it a few times a year.

[DaJudge]

Are there any truly FREE credit report offers out there? Like ones you dont have to sign up for a subscription to some stupid magazine or credit monitoring service??

:mad:
Yes.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide
consumer reporting companies ? Equifax, Experian, and TransUnion ? to
provide you with a free copy of your credit report, at your request, once
every 12 months. The FCRA promotes the accuracy and privacy of
information in the files of the nation?s consumer reporting companies. The
Federal Trade Commission (FTC), the nation?s consumer protection agency,
enforces the FCRA with respect to consumer reporting companies

For details,

Paypal me $25 :D

OR

Click here. (http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm)

[Jake_Blues]

The only downside (when I tried this, a while back) was that they wouldn't give you your FICO score unless you paid. They will only tell you what positive and negative items are on your credit report, but you can't really tell if the things you're doing from one year to the next are positively impacting your credit unless you have the scores.

This may have changed since I tried it, I dunno.

-E

[scottycards]

Everyone knows a mortgage broker. Have him pull your credit, and flip him a few bucks to give a copy to you. Most can do it for around $15 or so.

You'll have FICO, and all the info you need.

[Jefe]

http://www.annualcreditreport.com is the only true free report.


x2

[Gunter]

contact the big 3 directly and you get it for free.do it yourself,not thru a service.

[Jeffro600]

http://www.annualcreditreport.com is the only true free report.

I usually just check one agency at a time so I can kinda keep tabs on it a few times a year.

Worked great! :thumbsup: Thanks guys!

Didnt need to know my score, just running a check on everything as i havent done it in a while. All looks well. :flipoff2:

[Big Kev]

Do Not use "Privacy Matters 123." I used them the other year because they were the only ones I could find that were not $20. They had a $1 trial period and that is what I signed up for. In an e-mail they sent me, that went directly to my junk folder, they apparently told me that I would have to cancel my service to not be billed $20 a month. I finally caught it 10 months later when they over drafted my checking account. I contacted them and politely asked what the hell they were doing and they informed me about the e-mail that they sent stating they were going to keep charging my account until I canceled it. I told them that I never received an e-mail like that and I had only used their service the one time when I was supposed to pay $1. I asked how they could bill me with out my knowledge when I was not using their service. The lady on the phone got a little rude so I asked for her supervisor, after I had said some very bad things about the lady to her... I went through the same things with the supervisor and did not get any where and asked for his supervisor. He told me there was no one there that was above him, and that is when I lost it. I made some very threatening comments and informed them the next contact they would have from me would be from my lawyer. I ended up getting $22 credited to my account. I sent some more e-mails and finally got around $160 total, after that I left it alone. I did go to my bank and they got rid of the over draft charge and reported the company to their fraud devision. Do not use Privacy Matters 123.

[MinesJeep]

Another good way to get your FICO score for free if you don't need the full credit report, but just wanna check your credit score is just to go car shoping. Go test drive a few corvettes and then sit down with the guy to talk about a payment plan tell him your not really sure what your credit score is they will pull it and tell you. Than just politely say your just not ready to purchase this car today. Works for me every couple months, and its sweet way to joy ride in cars you can't afford!

[Jeffro600]

lol, the dealerships in town wont even let you get in a "sports car" without a deposit...i had actually shown great interest in an 02 vette last year before i bought my Honda and the sales guy figured i was just looking to joyride it and wouldnt even let me drive it. Whatever... :shrug:

[Jeff Mason]

My CREDIT UNION provides my Credit Scores and updates them either quarterly or semi-annually. I just log in and click on the link.

PSCU...

I also get to keep tabs on my kids scores. Right now, they are 701 and 739, but I thinjk they may be riding my coat tails a wee bit :D