Want FREE Credit Reports From The Big Three?

[Mark M]

Originally Posted by Ari Chi3fs

I just marked beside the incorrect data with a red pen and sent that report to the proper agency... within 45 days on each one, they had amended their report.

Actually, by law they have to fix or remove any negative information on your report that cannot be verified as negative. Can't remember the actual time frame, though.

Transunion took 120 days, cuz they suck monkey ass.

No one uses those cockmonkeys anyway. Equifax is the most used, followed by Experian.

For the record, I ask for mine separately because, from my experience, each one has at least one thing completely different than the others.

Originally Posted by banyon

don't do this too much, multiple credit report requests could actually affect your FICO score.

Actually, that depends on whether it's a "soft" or "hard" inquiry (insert finance-related Viagra pun here), and any time a consumer requests his or her own report, it's considered a "soft" inquiry and does not affect your score.

Or at least it didn't used to.

Originally Posted by Donger

Is this worth doing if your credit score is already good?

In a word: YES! Get a copy of all three at least once a year.

MM
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