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#2 |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $-1549603
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www.annualcreditreport.com
You are entitled to 1 free report per year from the big 3 credit agencies. This website acts as a portal to do that. You should NOT pay to get your credit report. I have used this site with success. It is easy and it is free.
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Hey Loochy, I'm hoooome! ![]() Last edited by loochy; 04-06-2011 at 10:33 AM.. |
Posts: 42,043
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#3 |
Live free or die hard
Join Date: Sep 2000
Location: Durango, CO
Casino cash: $-721618
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I went thru http://experian.experiandirect.com/ recently when making a major purchase and they too managed to sign me up for at $14.99 'credit monitor' that was worthless.
To top it off you can't cancel the service thru the web page. You need to call some India or South American call center, give them your credit card number and social security number and they'll get it cancelled for you. I cancelled the credit card and vowed to never use them again. Don't know who to tell you to go through, just avoid that particular website like the plaque. |
Posts: 28,261
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#4 |
MVP
Join Date: Feb 2007
Location: Liberty, MO
Casino cash: $784112
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Freecreditreport.com, you know, the guys singing in the band one.
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Posts: 17,149
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#5 |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $-1549603
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The thing is that on freecreditreport.com, they can trick you into signing up for something you have to pay for.
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Hey Loochy, I'm hoooome! ![]() |
Posts: 42,043
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#6 | |
Most Valuable Villain
Join Date: Dec 2006
Casino cash: $2075047
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Quote:
You can get your credit report for free......but you have to pay to get your score from all three agencies. |
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Posts: 92,316
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#7 | |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $-1549603
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Quote:
With that being said, does it really matter if you know your score or not?
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Hey Loochy, I'm hoooome! ![]() |
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Posts: 42,043
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#8 |
American
Join Date: Jun 2003
Location: Overland Park
Casino cash: $10004925
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It does if you're trying to finance something
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Many men go fishing all of their lives without knowing it is not fish they are after. ~Henry David Thoreau |
Posts: 3,919
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#9 |
Don't tread on me.
Join Date: Nov 2006
Location: Where the peaches grow
Casino cash: $9030572
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Posts: 8,540
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#10 |
When a nightmare becomes real
Join Date: Nov 2003
Casino cash: $736966
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http://www.goemaw.com |
Posts: 47,020
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#11 |
American
Join Date: Jun 2003
Location: Overland Park
Casino cash: $10004925
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If you want the score you have to pay no matter what. My recommendation would be to use annualcreditreport.com and pay the $5 for each (TransUnion, Equifax, Experian) whatever your middle of the 3 scores is will be the score lenders use.
That or do what Chet said and just apply. Tell them prior to pulling your credit that you want a copy of the credit report.
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Many men go fishing all of their lives without knowing it is not fish they are after. ~Henry David Thoreau |
Posts: 3,919
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#12 |
.
Join Date: Dec 2002
Casino cash: $57156239
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www.myfico.com
Their prices are pretty low, without having to sign up for stupid garbage. Yes, they also have their own monthly programs and "free score" offers that aren't really free too, but just ignore that and go directly to the products. Its just here's the price, and for that very reasonable price you can get your report and score from one vendor. You can pay for a report from one of the vendors at myfico.com, go away for a year and a half and not get harassed or pay any more money except maybe an e-mail each year to remind you they exist, and come back to buy reports and scores from two vendors at myfico.com, etc. No, this isn't a paid endorsement for myfico.com, I'm just very satisfied with my experience with them. As an added bonus, they also have a very large and active credit-related message board.
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Posts: 36,130
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#13 |
#triggering
Join Date: Aug 2000
Location: Tejas
Casino cash: $1067229
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http://www.ftc.gov/bcp/edu/microsite...ts/index.shtml
Question ... I was told that only 1 of the 3 provided you with a free credit score with your free annual credit report. Does anyone know which one does that? And, here's a tip - if you really want to track your report regularly and for free, just pull 1 every 4 months and rotate it between the 3. That will give you a free view 3 times a year. Just remember the order you pull them. Other info... http://ptmoney.com/annualcreditrepor...-credit-score/
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![]() Last edited by Mile High Mania; 04-06-2011 at 11:36 AM.. |
Posts: 30,894
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#14 |
Fish are scared of me
Join Date: Nov 2001
Casino cash: $-1449523
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Just sign up to the freecredit report.com you have thirty days to cancel with no obligation.
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Posts: 40,646
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#15 |
Keepin it Real
Join Date: Sep 2004
Location: Oklahoma
Casino cash: $-2112955
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Posts: 10,507
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