3 Free credit reports for Midwestern states

[greergirl]

I went to Experian, went through the whole process and it tells me it has an error and can't provide it to me at the time. YET, when I click ok it now registers that I visited Experian so my chance is gone. What crap. But thats not your problem, thanks for the heads up.

 

[thecollectivewi]

Just went and got all mine. Worked flawlessly.

I did sucker in and pay $5 for my actual score. Its way less than I remember paying in past years I have bought it so overall Im happy.

Add to that nothing at all negative on any reports and a very good score Im thrilled

 

[frankqfrank]

Yay ohio

 

[Tomer]

You have access to your report for 30 days at least at Trans-Union.

Of course like an idiot I jumped all over this first thing this morning after waiting and waiting for March 1.

I made it all the way to the screen to request the report after entering loads of account numbers, ect. then it wanted to charge me $9.50 for the ?free? report.

Later this evening I called Trans-Union. 45 minutes later I got a human and expressed my condolences for him having to be on CS today. He was a nice fella and told me they had been having "Web site issues" and that they knew about the problem.

He said he would "cancel my order" and that I should be able to login again and get my free report on Wednesday.

I tried late this evening (Tuesday) and it still wants to charge me. We'll see what happens tomorrow.

 

[Samus]

doesn't running your credit deduct a few points?

 

[FotoMatt]

Originally posted by: Samus
doesn't running your credit deduct a few points?

From Experian's credit score FAQ:
Credit scores only consider inquiries initiated by the consumer. These include mortgage applications, credit card applications and auto loan applications. Inquiries that don't affect scores include: requests by you to the consumer reporting agency for your personal report, lenders using credit information for account review purposes, lenders using credit information for "preapproved" credit offers, or inquiries for use in making employment decisions. Inquiries that don't impact risk scores are shown only on the credit report you request directly from Experian.

 

[Warder45]

I'm a little new at this, but to get a full history of my credit do I have to check all three companies or are they 3 companies that all have the same information about my credit?

 

[Axoliien]

Usually you will get mostly the same information, however there will be differences between the 3 companies. You should get the report from all 3 at the same time so you can determine what is currently reported.