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07-07-2009, 08:20 PM
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Senior Member
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Join Date: Mar 2008
314 posts, read 230,585 times
Reputation: 63
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Free Credit Report
Anyboby know where I can get a true free credit repot? I was told I could get one a year with a Fico score for free.
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07-07-2009, 08:36 PM
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Senior Member
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Join Date: Jul 2007
193 posts, read 107,855 times
Reputation: 22
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You can get one free per year from all 3 credit reporting agencies, the FICO score is NOT included. The website is annualcreditreport.com
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07-07-2009, 10:34 PM
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Real Estate Agent
Status:
"Leaves... covered with snow, waiting for the thaw..."
(set 7 days ago)
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Join Date: Jul 2008
Location: Huntington
2,066 posts, read 963,033 times
Reputation: 518
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No free FICO scores anywhere... And watch for "trial periods" - it's easy to forget to cancel an unwanted "monitoring service".
Also, if/when you go to www.annualcreditreport.com ask for only one at a time and a different one every four months--this way you can regularly check what's going on throughout the year.
For example: July - Equifax; November - Transunion; March - Experian |
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07-08-2009, 03:56 AM
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Senior Member
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Join Date: Oct 2006
4,492 posts, read 2,070,741 times
Reputation: 1544
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makew sure you check all 3,, we had id theft and it didnt appear on 1 of the 3
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07-08-2009, 06:55 AM
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Senior Member
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Join Date: Mar 2008
314 posts, read 230,585 times
Reputation: 63
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Thank you.
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07-08-2009, 05:00 PM
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Senior Member
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Join Date: Aug 2008
Location: Atlanta, Ga
1,004 posts, read 486,507 times
Reputation: 352
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Quote:
Originally Posted by Elke Mariotti
No free FICO scores anywhere... And watch for "trial periods" - it's easy to forget to cancel an unwanted "monitoring service".
Also, if/when you go to www.annualcreditreport.com ask for only one at a time and a different one every four months--this way you can regularly check what's going on throughout the year.
For example: July - Equifax; November - Transunion; March - Experian |
Thats not true I check mine yearly from www.annualcreditreport.com all at once. |
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07-09-2009, 07:48 AM
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Senior Member
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Join Date: Aug 2008
270 posts, read 123,866 times
Reputation: 36
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Quote:
Originally Posted by YBF
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You can certainly do that all at once, but I believe Elke was recommending that it would be beneficial to stagger the requests out over the course of the year, so that you are at least seeing any potential issues on a more frequent basis (assuming negative/incorrect information shows up on all three - but this isn't always the case).
For me, I just check once a year around tax time - that's when I'm in my financial mode and I try to take care of all of that stuff then. |
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07-09-2009, 04:12 PM
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Real Estate Agent
Status:
"Leaves... covered with snow, waiting for the thaw..."
(set 7 days ago)
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Join Date: Jul 2008
Location: Huntington
2,066 posts, read 963,033 times
Reputation: 518
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Quote:
Originally Posted by jpg71
You can certainly do that all at once, but I believe Elke was recommending that it would be beneficial to stagger the requests out over the course of the year, so that you are at least seeing any potential issues on a more frequent basis (assuming negative/incorrect information shows up on all three - but this isn't always the case).
For me, I just check once a year around tax time - that's when I'm in my financial mode and I try to take care of all of that stuff then.
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Indeed I was - thank you for clarifying that for the OP!  |
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