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Old 07-07-2009, 07:20 PM
 
432 posts, read 1,501,381 times
Reputation: 141

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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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Old 07-07-2009, 07:36 PM
 
745 posts, read 1,398,130 times
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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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Old 07-07-2009, 09:34 PM
 
Location: Long Island
9,596 posts, read 21,038,665 times
Reputation: 5317
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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Old 07-08-2009, 02:56 AM
 
91,732 posts, read 89,054,137 times
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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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Old 07-08-2009, 05:55 AM
 
432 posts, read 1,501,381 times
Reputation: 141
Thank you.
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Old 07-08-2009, 04:00 PM
YBF
 
Location: Atlanta, Ga
1,260 posts, read 3,139,980 times
Reputation: 583
Quote:
Originally Posted by Elke Mariotti View Post
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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Old 07-09-2009, 06:48 AM
 
270 posts, read 911,007 times
Reputation: 62
Quote:
Originally Posted by YBF View Post
Thats not true I check mine yearly from www.annualcreditreport.com all at once.
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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Old 07-09-2009, 03:12 PM
 
Location: Long Island
9,596 posts, read 21,038,665 times
Reputation: 5317
Quote:
Originally Posted by jpg71 View Post
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.

Indeed I was - thank you for clarifying that for the OP!
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