credit report

Discussion in 'General Chat' started by ken, Dec 27, 2004.

  1. ken

    ken Banned by Request

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    Something's going on w/my credit, and I don't know what. Whats the best way of getting a credit report? Online? Through the mail? And are free credit reports really free?
     


  2. scnupe7

    scnupe7 Senior member

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    I think there is a website called freecreditreport.com that will provide you with a free copy of you credit report. If that is not the site, you may want to try googling free credit report and see what you come up with. Good luck.
     


  3. craig

    craig Active Member

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    www.Myfico.com is an excellent place to purchase all three at the same time. Once purchased all three are availeble to view immediately. I am not sure what site to get a free report, but most states have a law that forces the credit comapnies to give a free report each year. The difference between the pay and free reports, is that on the "free" ones I do not beleive they give you a score. They show all "open" and recent credit accounts. Check www.clarkhoward.com for a link. He is a local consummer advocate in the Atlanta area. Pretty neat site none the less. Hope this was of some help - Craig
     


  4. shoreman1782

    shoreman1782 Senior member

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    This won't help you find one, but freecreditreport.com never sent me anything after I registered/whatever on their site (this was a couple of years ago). The first communication I got from them was a bill for their Credit Watch service, which I didn't sign up for, intentionally. They refunded it when I complained, but I never got a report.

    If you figure it out, let me know as well, because I still can't get a credit card, though I make alright $$, have a car loan, and have never had a delinquent payment on any bill.
     


  5. TomW

    TomW Senior member

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    You can get one online at www.equifax.com, www.experian.com or www.myfico.com. All three offer 3 bureau reports, some offer it for less money or at special promotional pricing. Some offer a free report with service signup - which can usually be cancelled in the first 30 days at no cost to you
     


  6. tsloop

    tsloop Senior member

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    If you go to www.annualcreditreport.com you may be eligible for a free credit report, it depends on what state you live in. At the current date only the western states are eligible but on the website it shows when all other states will be able to get the reports for free. You get one free report from Equifax, Experian and TransUnion per year.
     


  7. ken

    ken Banned by Request

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    thanks fellas
     


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