what's a REALLY FREE annual credit report site? - Chicagoland Sportbikes
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post #1 of 37 (permalink) Old 01-29-2008, 07:59 PM Thread Starter
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what's a REALLY FREE annual credit report site?

anyone got one with no gimmicks or charges included or if there is a charge no hoops to jump through?



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post #2 of 37 (permalink) Old 01-29-2008, 08:06 PM
 
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post #3 of 37 (permalink) Old 01-29-2008, 08:07 PM
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post #4 of 37 (permalink) Old 01-29-2008, 08:30 PM
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I am curious. The other day, I was asking a financial person at my bank about my credit. I asked him the same question, which credit report place should I go to to see my credit rating. He said to never use any of the services, pay or free. He said the safest and most accurate way is to cough up the money and inquire directly with the three credit agencies. Or if you do not want to spend that much, just do it with the middle one. He said one agency always rates high, one low, and one in the middle. He said to just call and order a report from the middle agency.

Is this guy full of it, or is this true? You should only get a credit report directly from the agencies to insure no gimmicks and the possibility of your sensitive information getting into the wrong hands?
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post #5 of 37 (permalink) Old 01-29-2008, 08:33 PM
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Quote:
Originally Posted by 78montecarlo View Post
I am curious. The other day, I was asking a financial person at my bank about my credit. I asked him the same question, which credit report place should I go to to see my credit rating. He said to never use any of the services, pay or free. He said the safest and most accurate way is to cough up the money and inquire directly with the three credit agencies. Or if you do not want to spend that much, just do it with the middle one. He said one agency always rates high, one low, and one in the middle. He said to just call and order a report from the middle agency.

Is this guy full of it, or is this true? You should only get a credit report directly from the agencies to insure no gimmicks and the possibility of your sensitive information getting into the wrong hands?
That's great and all, but how would you know which of the 3 will be the middle?

I believe Equifax is for the Midwest

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post #6 of 37 (permalink) Old 01-29-2008, 08:37 PM
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He is full of it. Use the free site. The site will direct u 2 each crdt bureau.

"Carlos"
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post #7 of 37 (permalink) Old 01-29-2008, 08:41 PM Thread Starter
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you know scratch this whole idea "1st off i dont even use a credit card over the net" plain and simple it can be snatched, i am just gonna call all three agency's i havent pulled my report in years.

the only thing i know at this point is my score. but i wanna know whats on there.

thanks for the suggestion guys "i am the paranoid type"



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post #8 of 37 (permalink) Old 01-29-2008, 09:04 PM
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Quote:
Originally Posted by Odysseys View Post
you know scratch this whole idea "1st off i dont even use a credit card over the net" plain and simple it can be snatched, i am just gonna call all three agency's i havent pulled my report in years.

the only thing i know at this point is my score. but i wanna know whats on there.

thanks for the suggestion guys "i am the paranoid type"
Good call if u r paranoid. The site will ask many private ? 2 verify id.

sorry 4 d shorthand but im using a PSP 2 type this.

"Carlos"
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post #9 of 37 (permalink) Old 01-29-2008, 09:05 PM
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Quote:
Originally Posted by 78montecarlo View Post
I am curious. The other day, I was asking a financial person at my bank about my credit. I asked him the same question, which credit report place should I go to to see my credit rating. He said to never use any of the services, pay or free. He said the safest and most accurate way is to cough up the money and inquire directly with the three credit agencies. Or if you do not want to spend that much, just do it with the middle one. He said one agency always rates high, one low, and one in the middle. He said to just call and order a report from the middle agency.

Is this guy full of it, or is this true? You should only get a credit report directly from the agencies to insure no gimmicks and the possibility of your sensitive information getting into the wrong hands?
I work in the credit industry and we recommend annualcreditreport.com.

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post #10 of 37 (permalink) Old 01-29-2008, 09:07 PM
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Quote:
Originally Posted by Odysseys View Post
you know scratch this whole idea "1st off i dont even use a credit card over the net" plain and simple it can be snatched, i am just gonna call all three agency's i havent pulled my report in years.

the only thing i know at this point is my score. but i wanna know whats on there.

thanks for the suggestion guys "i am the paranoid type"
If you are paranoid about your info on the internet you can call your credit cards adn get a virtual credit card number. You use this number oly for hte internet. It was created to protect your identity.

"Live life or get the hell outta my way. "


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Damn haters!

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Quote:
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That is the beauty of photography. You get to capture a moment in time. Each picture tells a story.
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post #11 of 37 (permalink) Old 01-29-2008, 09:10 PM
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Quote:
Originally Posted by Chigirl View Post
I work in the credit industry and we recommend annualcreditreport.com.
Bah another its crap I cant even pull my reports without having a headache. equifax is the only one that provides it the other two just screw around with you
asking you questions that you know the answer two and they say wrong call us. also they will not provided my report since the Fed gov lost a HD with my info on it due to a fraud alert

go time traveler style and go back in time, fuck his grandma, then shoot forward in time and then fuck his mom. Then return back to present state and call him a the product of two incest whores and hes your son and show video of you plowing the both members of his family. .
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post #12 of 37 (permalink) Old 01-29-2008, 09:16 PM
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I've had great experience with annualcreditreport.com with all 3 agencies.
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post #13 of 37 (permalink) Old 01-29-2008, 09:24 PM
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Quote:
Originally Posted by Odysseys View Post
you know scratch this whole idea "1st off i dont even use a credit card over the net" plain and simple it can be snatched, i am just gonna call all three agency's i havent pulled my report in years.

the only thing i know at this point is my score. but i wanna know whats on there.

thanks for the suggestion guys "i am the paranoid type"
Just to kind of remark on the whole paranoid approach... It's easier for a kid working behind the counter at a supermarket to swipe your card than it is to swipe it online if you use safe, reliable, and secure websites. This is the same for over the phone.

I myself use annualcreditreport.com and it's always been fine.

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post #14 of 37 (permalink) Old 01-29-2008, 09:55 PM
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post #15 of 37 (permalink) Old 01-29-2008, 10:01 PM
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As far as I know, the three major credit agencies will give you one free credit report once a year.

To me, credit is a bunch of BS but in this world you can't live without it.
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post #16 of 37 (permalink) Old 01-29-2008, 10:03 PM
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Quote:
Originally Posted by Mort82 View Post
As far as I know, the three major credit agencies will give you one free credit report once a year.

To me, credit is a bunch of BS but in this world you can't live without it.
Correction. In this country you can't live without it. Rest of the world does pretty damn well without that bullshit.
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post #17 of 37 (permalink) Old 01-29-2008, 10:04 PM
 
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Quote:
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As far as I know, the three major credit agencies will give you one free credit report once a year.

To me, credit is a bunch of BS but in this world you can't live without it.
they are REQUIRED to give you a free one

I thought I had heard every 6 months, it could've been a year, but you are entitled to at least a free one from each.
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post #18 of 37 (permalink) Old 01-29-2008, 10:08 PM
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Quote:
Originally Posted by bwa View Post
Correction. In this country you can't live without it. Rest of the world does pretty damn well without that bullshit.
Quote:
Originally Posted by Ninja 13 View Post
they are REQUIRED to give you a free one

I thought I had heard every 6 months, it could've been a year, but you are entitled to at least a free one from each.
I stand corrected.
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post #19 of 37 (permalink) Old 01-29-2008, 10:33 PM
 
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It's important to have reliable and fact driven sources...ESPECIALLY when talking about credit/money!!!

http://www.ftc.gov/bcp/conline/pubs/...eereports.shtm
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post #20 of 37 (permalink) Old 01-29-2008, 11:20 PM
 
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Quote:
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It's important to have reliable and fact driven sources...ESPECIALLY when talking about credit/money!!!

http://www.ftc.gov/bcp/conline/pubs/...eereports.shtm
which is why I modified my post with "thought I heard". It is once every 12 months but they have to do it
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post #21 of 37 (permalink) Old 01-29-2008, 11:26 PM
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just got mine at annualcreditreport.com. no hassles. if you need your FICO score you get a credit report through them so if you need both just got to myfico.com.

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post #22 of 37 (permalink) Old 01-29-2008, 11:47 PM
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Quote:
Originally Posted by Eugene View Post
That's great and all, but how would you know which of the 3 will be the middle?

I believe Equifax is for the Midwest
He said TransUnion gives the average estimate, so he recommended I use TransUnion. I dont remeber which is which, but he said either Equifax or Experian gives a high estimate, and then the other gives the low estimate for your credit rating.

I mentioned the fre credit report website to him that is quoted so frequently, and he still seemed to be against it. Not sure why. If there is just a higher probability that I will be duped into buying something extra, or they have been known to be a target for people trying to steal sensitive information. Maybe a target that is easier to compromise than the credit companies themselves. He could not really explain why, other than to say, just go to the source.

Hence my confusion.
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post #23 of 37 (permalink) Old 01-30-2008, 12:09 AM
 
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Quote:
Originally Posted by Ninja 13 View Post
which is why I modified my post with "thought I heard". It is once every 12 months but they have to do it
that was just verifying the website everyone was saying to use (annualcreditreport.com)

I actually suggest people spread out using their yearly free credit report with each agency. So use one agency report during the beginning of the year, one in the middle, and one at the end
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post #24 of 37 (permalink) Old 01-30-2008, 01:26 PM
 
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On top of the yearly one you are also entitled to a free credit report from all of the sources each time your address changes. I received a free report from all 3 sources when I moved. Pretty quick and easy.

I used annualcreditreport.com
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post #25 of 37 (permalink) Old 01-30-2008, 06:13 PM
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i just got all three reports plus scores but i paid $29.95 for it. i am going to keep the subscription for the credit watch for a while ($15/mo). identity theft/fraud is becoming one of the biggest and most frequent crimes there is. this is a small price to pay to protect myself from what could be a long and disasterous process if something goes awry.
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post #26 of 37 (permalink) Old 01-30-2008, 06:24 PM
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wow a whole day in a credit thread and not a peep from Gixx
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post #27 of 37 (permalink) Old 02-02-2008, 09:39 PM
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This was posted on Yahoo news today:

http://finance.yahoo.com/banking-bud...out-the-Hassle

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post #28 of 37 (permalink) Old 02-02-2008, 09:44 PM
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I use Truecredit monthly to check on my scores and what not. It's Transunion's site, but I get all three credit scores and can see every little thing that happens. I also have alerts set up to let me know when an inquiry has been made or any other relevant credit change. I pay a monthly fee, but I get unlimited checks. I recommend checking it every month for everyone.

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post #29 of 37 (permalink) Old 02-02-2008, 11:12 PM
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does this help?

http://finance.yahoo.com/banking-bud...out-the-Hassle

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post #30 of 37 (permalink) Old 02-03-2008, 09:51 AM
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annualcreditreport.com I've used it since it was started and have had no problems, yes it is true you can only get one report from each agency a year, but 3 agencies and 12 months in a year, one every 4 months and for the most part everything is always right on with all of them.

If you are too parinoid to watch your stuff that you are more saseptable to getting your shit hacked, it doesn't come from just using your card online, your garbage for one is a big place. Just remember if someone really wants to steal your ID then they will, you need to make it more difficult for them.
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