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Free credit report yearly


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#1 Fezmid

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Posted 10 April 2005 - 10:23 AM

If you havn't done it yet this year, you can get credit reports from all three of the companies for free by going to:
https://www.annualcr...m/cra/index.jsp

If you live in the west or the midwest, you can get all three for free once a year. If you live in the south, you'll have to wait until June 1st, and if you live in the east, you'd have to wait until September 1st, which is probably later than you want.

If you're not eligble for the free reports yet, then you can always go to the source and get them here:

http://www.experian....mer/index3.html
https://www.econsume...Name=FACTB_prod
http://www.transunion.com/

They should all have roughly the same information (but don't always...).
CW

#2 BigAL

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Posted 14 April 2005 - 06:00 AM

If you havn't done it yet this year, you can get credit reports from all three of the companies for free by going to:
https://www.annualcr...m/cra/index.jsp

If you live in the west or the midwest, you can get all three for free once a year.  If you live in the south, you'll have to wait until June 1st, and if you live in the east, you'd have to wait until September 1st, which is probably later than you want.

If you're not eligble for the free reports yet, then you can always go to the source and get them here:

http://www.experian....mer/index3.html
https://www.econsume...Name=FACTB_prod
http://www.transunion.com/

They should all have roughly the same information (but don't always...).
CW

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You do realize that getting your credit report once a year is almost as worthless as not getting it at all. You really should have some kind of monitoring service to get your credit report monthly. That is the best way to protect yourself. Here's a link to the BBB 2005 report on identity theft. BBB Report

As far as the credit agency themselves, they have a bunch of phising sites themselves to fool people into thinking they are getting a free credit report, when really they are signing up for something else. Here's a blurb from an email alert I got on the subject:

In anticipation of the March 1 rollout of free credit reports to Midwest residents, the World Privacy Forum issued a report with startling recommendations*. Consumers may want to order their free annual credit reports by phone rather than online. If they order it on the Internet, they risk paying for a report they thought was free.

Researchers analyzed the official Web site (www.annualcreditreport.com) and close misspellings to see if any “phishing” or scam sites had been put online. What they found was alarming. Their report documents 96 known “imposter” domains. Of those:

· 28 belong to credit reporting agency Experian.
· 68 belong to or are hosted at “pay per click” companies.
· 50 of the “pay per click” domains are live, and some are luring consumers to inappropriate and risky Web sites. Some of the “pay per click” sites lead consumers to Experian and other credit companies’ commercial sites in order to cash in on the credit bureaus’ affiliate marketing programs.

Additional issues were found at the official Web site. The primary finding: credit bureaus are blurring the lines between what is free and what is available for a cost. For example, the TransUnion section of the official Web site automatically selects consumers to receive marketing information and have their information shared with affiliates and partners. Experian and Equifax have potentially confusing menu navigation bars, which do not clearly distinguish between the free areas of credit report access and the for-pay sections.

The best way to protect yourself is monthly monitoring.

#3 Just Jack

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Posted 01 September 2005 - 05:37 AM

Today's the day for the east coast.

Just did mine, Equifax tries to sell add-ons, and TransUnion wants to create a user account to get your report.

#4 BillsWatch

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Posted 01 September 2005 - 02:58 PM

Thank you for link. I obtained my credit report from Experian for my wife and myself today. Unfortunately we had a power hit right after I started printing my report but before I wrote down the report # so Experian wants to charge me again. Frig them. There were no blothes on my report (21 good, no bad)

I plan on doing credit reports every other month altering between mine and my wife's in next 12 months using the other two companies. Should do enough to watch my report without paying IMO a ripoff service to 'monitor' my credit report.

#5 Fezmid

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Posted 02 September 2005 - 07:54 AM

I plan on doing credit reports every other month altering between mine and my wife's in next 12 months using the other two companies.  Should do enough to watch my report without paying IMO a ripoff service to 'monitor' my credit report.

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I used to use a monitoring service and thought it was great -- when it only cost $50/year. Now it's up to about $130/year, and is just not worth it... <_<

CW

#6 Little to the North

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Posted 17 May 2006 - 06:42 PM

had an offer from Discover for a free credit report, but 2 times i never received it. Bulsheeeeet. I called them up and gave them a piece of hell for their incompetence. I almost cut my card up because they never delivered on their promise. Since I'm buying a house by the end of this year i wanted to know my credit score just in case....Man this bites! :)

#7 Fezmid

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Posted 10 August 2006 - 05:10 PM

http://www.myfico.com/

#8 Just Jack

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Posted 13 April 2012 - 09:27 AM

BUMP....

Just was checking my credit union account and noticed a $14.95 charge from "Experian *FreeCredScr 877-3002507 CA". Googled the number, lots of people reporting this showing up on their accounts also, and if you call the number they ask you for more personal info "to look up your account". I'm going right to my CU this morning to file a dispute and get a new card.

Anyone got some good experience with one of those credit watching services, preferebly one that will lock my accounts so I'd need to call up if I want to get a new CC or loan?