Where to get your free credit report
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CreditDetailer
Sep 11, 2008, 11:00:14 AM9/11/08
to Credit Repair and Restoration Help
As of September 1, 2005 All states can obtain a free credit report.
This isn't as easy as you think, but then again, why would a business
want to make it easy for them to do more work?
You should be able to just go to the credit bureau's web site to order
a free report, but that’s easier said than done. There are caveats.
Experian:
If you enroll in their "Credit Manager" program at www.Experian.com,
you can get a free report. However, there is an expense associated
with this “free” report. After the 30-day trial period, you'll get
your “free” report, you will be automatically billed $9.95 to your
credit card for their "Credit Manager" program. To avoid being
charged, You can cancel the service in time, but come on, who really
pays that close attention to the calendar to do that? Free should be
free!
Trans Union:
When you order a "3-in-1" credit report for $30, they will send you a
"free" credit score. (Free for $30? that doesn't sound right)
Equifax:
Same as the other, buy something first, get something free.
Don’t get your hopes down yet….The Federal Trade Commission came
through…
The Federal Trade Commission finally got it right and put some new
regulations into effect. They set up a website for consumers to
request their free credit report. It’s www.AnnualCreditReport.com
The good news is you can also call 1-877-322-8228 or write to P.O. Box
105281, Atlanta, Georgia, 30348-5281.
Now that’s much Better. Simple, and Easy to understand as well as Easy
to do.
BUT- there's one more caveat—although you do get your Truly ‘free’
annual credit report, you won't get your credit score. A report is a
report, as score is something completely else.
The score is that perfect little number banks like to use to avoid
actually looking at your credit and making a human decision. You’ll
have to pay about $10 an agency for that. But even without a score,
you can at least tutor yourself into learning if your report is
correct and accurate as well as learn how to live in this credit
driven world. The facts are the facts and you can’t change those, but
you can play the game better if you know the rules!
This isn't as easy as you think, but then again, why would a business
want to make it easy for them to do more work?
You should be able to just go to the credit bureau's web site to order
a free report, but that’s easier said than done. There are caveats.
Experian:
If you enroll in their "Credit Manager" program at www.Experian.com,
you can get a free report. However, there is an expense associated
with this “free” report. After the 30-day trial period, you'll get
your “free” report, you will be automatically billed $9.95 to your
credit card for their "Credit Manager" program. To avoid being
charged, You can cancel the service in time, but come on, who really
pays that close attention to the calendar to do that? Free should be
free!
Trans Union:
When you order a "3-in-1" credit report for $30, they will send you a
"free" credit score. (Free for $30? that doesn't sound right)
Equifax:
Same as the other, buy something first, get something free.
Don’t get your hopes down yet….The Federal Trade Commission came
through…
The Federal Trade Commission finally got it right and put some new
regulations into effect. They set up a website for consumers to
request their free credit report. It’s www.AnnualCreditReport.com
The good news is you can also call 1-877-322-8228 or write to P.O. Box
105281, Atlanta, Georgia, 30348-5281.
Now that’s much Better. Simple, and Easy to understand as well as Easy
to do.
BUT- there's one more caveat—although you do get your Truly ‘free’
annual credit report, you won't get your credit score. A report is a
report, as score is something completely else.
The score is that perfect little number banks like to use to avoid
actually looking at your credit and making a human decision. You’ll
have to pay about $10 an agency for that. But even without a score,
you can at least tutor yourself into learning if your report is
correct and accurate as well as learn how to live in this credit
driven world. The facts are the facts and you can’t change those, but
you can play the game better if you know the rules!
CreditDetailer
Sep 11, 2008, 12:37:34 PM9/11/08
to Credit Repair and Restoration Help
If you order your credit report by calling toll-free 1-877-322-8228,
(1-877-FACT-ACT) it can take around 15 days to have it mailed to you.
If you ordered your report by mailing in the Annual Credit Report.com
credit report request form
(found here: http://groups.google.com/group/creditrepairtips/web/Annual_Credit_Report_Request_Form.pdf)
it will take about 15 days from the date the form was received.
The form should be mailed to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
NOTE: You should mark it on your calendar or in your phone to do this
every year on the same date!
(1-877-FACT-ACT) it can take around 15 days to have it mailed to you.
If you ordered your report by mailing in the Annual Credit Report.com
credit report request form
(found here: http://groups.google.com/group/creditrepairtips/web/Annual_Credit_Report_Request_Form.pdf)
it will take about 15 days from the date the form was received.
The form should be mailed to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
NOTE: You should mark it on your calendar or in your phone to do this
every year on the same date!
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