FREE annual credit reports

Discussion in 'Et Cetera, Et Cetera' started by B_Lightkeeper, Feb 8, 2008.

  1. B_Lightkeeper

    B_Lightkeeper New Member

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    You can now check your credit rating without charge once a year from all three credit reporting agencies. Since credit scores vary between the three (which, to me, is stupid!), it's wise to choose one now, another one towards the middle of the year and the last of the three near the end of the year. You can call 1 877 322-8228 or www.ftc.gov/bcp/pubs/credit/freereports.shtm.

    If you do the web site, look for the "annual credit report request form" and print off copy.

    BTW, I'm not an employee of any government or credit reporting agency and get no compensation for posting this.
     
  2. B_625girth

    B_625girth New Member

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    web page not found
     
  3. visualalert

    visualalert New Member

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    Try https://www.annualcreditreport.com/cra/index.jsp

    Best idea is to get one report every 4 months so at the end of a year you have seen reports from all three credit reporting agencies and then you can start over. This technique gives you a peek periodically during the year at no cost.

    Note that you don't get your FICO score (a.k.a. credit score) for free - you have to pay for that, and it may vary by credit reporting agency.
     
  4. visualalert

    visualalert New Member

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    Also, avoid sites like freecreditreport.com - it is NOT free. They'll give you a report, but only after you agree to pay for credit monitoring for a period of time.
     
  5. B_Lightkeeper

    B_Lightkeeper New Member

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    Sorry about the link...I thought I copied it down correctly.
    But Visual Alert is on the ball.

    You can also try www.annualcreditreport.com.
     
  6. IntoxicatingToxin

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    Yeah, they've done this for two years now. :tongue: It's good information, though! But... as far as I know, you can get your report for free, but have to pay for your actual credit score.
     
  7. Mem

    Mem
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    I have zero potentially negative and 26 accounts in good standing.:biggrin1:
     
  8. IntoxicatingToxin

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    Whooptidoo.

    What a great idea, giving identity thieves an idea as to whose identity they should steal.
     
  9. Mem

    Mem
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    Don't be mad at me because you can't pay your bills on time.
     
  10. IntoxicatingToxin

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    Wow, the power of assumptions. :rolleyes:

    Looks like you just made an ASS out of U and ME. :tongue:

    Get over yourself.
     
  11. B_becominghorse

    B_becominghorse New Member

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    I have a card that has as special feature giving the FICO score free every month, but I don't know why. I never asked for it, but have a large line with them and customer for 9 years, maybe that's it. So I never do the TransUnion separately (and I think that's the one they use.)
     
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