Free credit report

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drewdc

New Member
you can get a credit report from each of the 3 agencies once a year for free... i print one report from one agency every january, then i'll switch to another around may and another in october... they all have the same info... no sense in checking just once a year.
 
G

Gwydion

New Member
Thanks for the link! I went to freecreditreport.com and was kinda pissed it wasn't free at all.

Looks like I'm doing alright! No late payments!
 
ICit

ICit

Jam out with ur clam out
Dukesdad said:
F-R-E-E that spells free. Credit report. com baby.



damn it. stuck on it now. thanks
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DAMN YOU!!! :lmao: :smack:

Now its stuck in my head!!! :jameo:

That's funny.... I'm gonna sing it out loud and get it stuck into someone else's head. Its the "other" gift that keeps giving.
 
Rael

Rael

Supper's Ready
Bump..

I just received two out of three of mine. I decided to order them on myself while helping out my Dad to get his (he's trying to get things in order).

Now, I know there are soft inquiries (which do not affect your credit score), while hard inquiries can. I seem to have a ton of soft inquiries from banks, and I mean every month they get one. They are coded under a promotional code, which means I don't have to know in advance that they're inquiring.

But then they follow it up each month with junk mail offering another credit card. So I'm guessing all I have to do now is request in writing to the credit agency that they stop receiving my information, and the junk mail should go away.

Two problems solved. :yay:
 
Old Dog

Old Dog

Member
Free is www.annualcreditreport.com

From FreeCreditReport.Com

IMPORTANT INFORMATION
When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 7-day trial period**, you will be billed $14.95 for each month that you continue your membership.

ConsumerInfo.com, Inc. and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com.

F.R.E.E. that means www.annualcreditreport.com
 
Chasey_Lane

Chasey_Lane

Salt Life
Rael said:
Now, I know there are soft inquiries (which do not affect your credit score), while hard inquiries can. I seem to have a ton of soft inquiries from banks, and I mean every month they get one. They are coded under a promotional code, which means I don't have to know in advance that they're inquiring.
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I use BOA's credit monitoring service. I've never noticed a soft inquiry on my report before. I just pulled from the 3 bureaus using www.annualcreditreport.com and saw dozens of soft hits - ranging from banks to Fingerhut. :lol:

If what you say is true, that I can just write them a letter and they will remove me from their lists, I'll be busy the next few days. :lol:
 
willie

willie

Well-Known Member
Chasey_Lane said:
I use BOA's credit monitoring service. I've never noticed a soft inquiry on my report before. I just pulled from the 3 bureaus using www.annualcreditreport.com and saw dozens of soft hits - ranging from banks to Fingerhut. :lol:

If what you say is true, that I can just write them a letter and they will remove me from their lists, I'll be busy the next few days. :lol:
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It's been a while so I don't remember the exact procedure. On my Chase Business Card statement, there was either a box to check or a website to go to and it would halt ALL inquiries unless I authorize it. Sort of a "do not call" list. It stopped all the credit card mail offers also.
 
Rael

Rael

Supper's Ready
Chasey_Lane said:
I use BOA's credit monitoring service. I've never noticed a soft inquiry on my report before. I just pulled from the 3 bureaus using www.annualcreditreport.com and saw dozens of soft hits - ranging from banks to Fingerhut. :lol:

If what you say is true, that I can just write them a letter and they will remove me from their lists, I'll be busy the next few days. :lol:
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Looking through one of them, the instructions are all there on how to security freeze a credit report. Fortunately, the written request (certified mail, e-mail, or internet) only has to be to the credit reporting agency (either or all all of the three), and not to all of the Fingerhuts of the world. :lol: That could take some time...

A security freeze just means they are prohibited from releasing credit info without express written consent. The downside to this is any time someone needs or wants your credit info (re-fi, etc.) you'd need to write (which would take time).

Personally, I like the security freeze option much better. :yay:
 
Bird Dog

Bird Dog

Bird Dog
PREMO Member
CreditKarma.com is free

No Credit Card #

Lots of ads selling you stuff, but accurate and up to date
 
H

Hodr

Guest
vraiblonde said:
*bump*

It's that time again, folks! Check your credit report to make sure there's nothing flaky on there!
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I would venture to guess a good percentage of people here also have access to free reports/monitoring from Uncle Sam due to the recent security breaches at OPM.

Also, if you are security conscious you should probably file for a 90 day fraud alert quarterly (only takes a couple seconds online) which makes it considerably more difficult for someone to fraudulently open a new credit card, establish utilities, or open a bank account in your name.
 
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