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03-24-2009, 03:58 PM
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Destroyer of Limbaugh Loonies & F#x Fools
Status:
"Bring the Bush/Cheney war criminals to justice!"
(set 7 days ago)
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Join Date: Oct 2006
1,444 posts, read 880,577 times
Reputation: 655
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Really FREE Credit Reports
Skip the BS site that's advertised all over the place. Here's how to get your free credit reports. You should do this every year.
To get your reports, visit www.annualcreditreport.com or call 1-877-322-8228. You can also request them by mail at: Annual Credit Report Service, P.O. Box 105281, Atlanta, GA 30348-5281. |
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03-24-2009, 06:16 PM
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Senior Member
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Join Date: Nov 2007
Location: Kemah Texas
7,341 posts, read 4,717,407 times
Reputation: 3889
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You are correct. But you dont think those credit agencies let you get away totally free do you? There are many tricks to get you to subscribe to various other things as well as upgrading your free report for another fee.
Nothing is free but yes you can get all the basic free information you need if you are careful.
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03-27-2009, 02:27 PM
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Bees? Not in Maine
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Join Date: Feb 2007
Location: Argyle, Maine
11,609 posts, read 6,576,233 times
Reputation: 2835
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We get ours each year for free.
Since the 1980s we have gotten ours for free. It is required by law to offer it for free.
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03-27-2009, 09:47 PM
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Senior Member
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Join Date: Mar 2008
165 posts, read 95,560 times
Reputation: 47
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credit report is free yes- but not your FICO number.
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03-27-2009, 10:05 PM
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Senior Member
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Join Date: May 2007
2,766 posts, read 1,925,252 times
Reputation: 427
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the annual credit report
for free by law in each state service is different than the companies that charge you for it and have catches and other offers. don't confuse the two. i print out applications each year from annual credit report.com and send in a 3 bureau report request for free, along with a copy of my driver's license. no fees or catches
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03-31-2009, 10:35 PM
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Real Estate Agent
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Join Date: Jul 2008
Location: Huntington
1,953 posts, read 887,887 times
Reputation: 458
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Better Monitoring
I agree, www.annualcreditreport.com is the best one to use, no obligation, etc. but true, no FICO score. The best place for consumers to get their FICO score is at myFICO - FICO Credit Scores | Get a Free Credit Report Online (the Fair Isaac Co.), for a fee 
Here's a tip:
One way to stay on top of your credit report on a more frequent but regular basis, is to order one (free) every four months, i.e. Transunion in April, Experian in August, and Equifax in December (and so on). This way you can catch possible errors sooner... |
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04-01-2009, 09:25 PM
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Senior Member
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Join Date: Sep 2006
Location: Northern NJ
1,573 posts, read 1,298,261 times
Reputation: 192
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I agree, annualcreditreport.com is free and legit. been using it for years. govt mandated it or something like that.
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04-02-2009, 09:04 AM
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Senior Member
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Join Date: May 2008
113 posts, read 39,123 times
Reputation: 55
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I second the above comment, AnnualCreditReport.com is the only authorized source to get your free annual credit report. You can request your free report online, by phone or by mail.
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