Free Credit Report?
- Thread starter MBrown
- Start date
Modelworks
Lifer
- Feb 22, 2007
- 16,240
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No it is not really free. You have to enroll in their credit monitoring program. Then if you don't cancel it you get billed $20 a month. Canceling is a PIA too. I had to call twice and it still showed up on my card.
No its not really free. They want you to sign up for their "credit monitoring" service which charges monthly.
What you want is your free-by-law annual credit report from all three agencies.
What you want is your free-by-law annual credit report from all three agencies.
Modelworks
Lifer
- Feb 22, 2007
- 16,240
- 7
- 76
I think the whole credit report thing is a scam anyway. They are allowed to keep sensitive personal information about you , that requires you to pay to view the report. You should be allowed to view it anytime you like for free, not just once a year.
Does it really cost them mountains of cash to let you view it ?
Does it really cost them mountains of cash to let you view it ?
MovingTarget
Diamond Member
- Jun 22, 2003
- 9,002
- 115
- 106
annualcreditreport.com first of all.
Second, I think that credit reporting bureaus have too much power over people's lives. It really is a scam. Hell, many employers even check your credit to decide whether to hire you or not. This should be illegal.
Second, I think that credit reporting bureaus have too much power over people's lives. It really is a scam. Hell, many employers even check your credit to decide whether to hire you or not. This should be illegal.
lupi
Lifer
- Apr 8, 2001
- 32,539
- 260
- 126
In additional to annual you can go through creditkarma and get your credit score as well.
Whatever of the non-ripoff sites you use, just remember you can only get a report from each bureau once per year and you could stagger with a report every 4 months from a different place if you are really paranoid about your credit history.
Whatever of the non-ripoff sites you use, just remember you can only get a report from each bureau once per year and you could stagger with a report every 4 months from a different place if you are really paranoid about your credit history.
gorcorps
aka Brandon
- Jul 18, 2004
- 30,741
- 456
- 126
freecreditreport.com is indeed free, and everybody who says otherwise is just a moron who doesn't know what they're getting in to
Yes they want you to enroll in their thing, which will eventually charge you monthly, but that's only if you're too stupid to pick up the phone and cancel after you get your free report. They tell you how to do this... it's not hard. I've done it several times and I've never had a charge on my card.
But as stated, annualcreditreport.com is the better option.
Yes they want you to enroll in their thing, which will eventually charge you monthly, but that's only if you're too stupid to pick up the phone and cancel after you get your free report. They tell you how to do this... it's not hard. I've done it several times and I've never had a charge on my card.
But as stated, annualcreditreport.com is the better option.
http://www.annualcreditreport.com
I think I heard somewhere you can request 1 of the 3 credit agency reports each 4 months, so you can see all 3 by end of year (not sure about this, though).
I think I heard somewhere you can request 1 of the 3 credit agency reports each 4 months, so you can see all 3 by end of year (not sure about this, though).
I just did Transunion through annualcreditreport.com and they wanted me to pay for my Score. I didn't realize a 'report' just shows your cards and if you have any late payments the last few years. Who doesn't know that they have made late payments??
Do the other two supply any more useful information for free?
Do the other two supply any more useful information for free?
If you have an AMEX card you can run a report off their website. It's easy, no BS or spam, and takes like 5 minutes. Totally worth it.
The really important question is:
Do any of these free credit report sites give you a free iPod?
Do any of these free credit report sites give you a free iPod?
If you used Experian to get one of your scores I'd suggest you call 1.888.829.6560 to cancel after your 7 day free trial. I got my credit score with them and you HAVE to call to get it canceled or they will charge your 14.95/month to keep their services. It's pretty easy, you say no to their offers and they cancel it. Just keep an eye on your bank statements just in case.
AnonymouseUser
Diamond Member
- May 14, 2003
- 9,943
- 107
- 106
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