Money Want FREE Credit Reports From The Big Three? - Page 3

Mark M · 01-04-2007, 10:03 PM

Quote:

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.

Quote:

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.

Quote:

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.

Quote:

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
~~

**DaFace** · 01-03-2007, 11:33 PM

It only gave me one of the three. I'd imagine it's because I moved less than a month ago, though.

wutamess · 01-04-2007, 12:48 AM

I went the www.csccredit.com method. Mailing supporting evidence tonight. Hopefully I'll have all 3 well above 700 now.

**Bwana** · 01-04-2007, 10:21 AM

Bump for the day crew in the event you would like to get a report.

**banyon** · 01-04-2007, 11:07 AM

BTW, for people's info.

I'd recommend choosing the Equifax report, since it is the only one you can print off instantly.

2nd, don't do this too much, multiple credit report requests could actually affect your FICO score.

3rd, disputing anything wrong with one of the agencies means that they have to report it to the other two as well.

**Bob Dole** · 01-04-2007, 12:00 PM

Quote:

Originally Posted by banyon

BTW, for people's info.

I'd recommend choosing the Equifax report, since it is the only one you can print off instantly.

2nd, don't do this too much, multiple credit report requests could actually affect your FICO score.

3rd, disputing anything wrong with one of the agencies means that they have to report it to the other two as well.

Bob Dole printed all 3 instantly...

**banyon** · 01-07-2008, 09:05 AM

Quote:

Originally Posted by banyon

3rd, disputing anything wrong with one of the agencies means that they have to report it to the other two as well.

This is wrong. You can check your own score as much as you like. It's when you authorize others to do it that impacts the score.

Also, another way to get a free report is to apply for something that you know your credit will not be good enough for. Then when you are declined, they will give you an address to write to and by law they have to give you a free report. You can do this even if you have used up annualcreditreport.com's freebie for the year. (Note: applying for the loan you can't get may give your scor a small ding)

**mikeyis4dcats.** · 01-27-2008, 07:38 PM

Quote:

Originally Posted by banyon

BTW, for people's info.

I'd recommend choosing the Equifax report, since it is the only one you can print off instantly.

2nd, don't do this too much, multiple credit report requests could actually affect your FICO score.

3rd, disputing anything wrong with one of the agencies means that they have to report it to the other two as well.

1. All 3 can be printed instantly
2. Your own pulls have ZERO affect on your credit rating
3. You must send notice to ALL three agencies if they all show a problem. Not all problems may even show on the 3 reports, thats why it's important to get all 3.

**Donger** · 01-04-2007, 12:01 PM

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

**Bob Dole** · 01-07-2008, 08:12 AM

It's that time of year again.

**BigRedChief** · 01-07-2008, 08:49 AM

I pay them for the cerdit monitering. I have a DOD "Secret" clearance. 90% of all clearances get denied because of poor credit.

Someone starts to use a credit card, start an identity theft I'll know about it.

Sure-Oz · 01-07-2008, 08:52 AM

This isn't one of those things where you actually get a free report and then later are charged $15/mo out of nowhere is it?

**the Talking Can** · 01-27-2008, 10:18 AM

Quote:

Originally Posted by Sure-Oz

This isn't one of those things where you actually get a free report and then later are charged $15/mo out of nowhere is it?

no, it is federal law...you get one free viewing of your credit record per year...I've done it twice now and both times found items that were removed after investigation....and the investigations are free too...you can dispute any item on your record......

Sure-Oz · 01-27-2008, 10:21 AM

Quote:

Originally Posted by the Talking Can

no, it is federal law...you get one free viewing of your credit record per year...I've done it twice now and both times found items that were removed after investigation....and the investigations are free too...you can dispute any item on your record......

I see..guess ill have to get my free cr now hehe.

**the Talking Can** · 01-27-2008, 10:22 AM

Quote:

Originally Posted by Sure-Oz

I see..guess ill have to get my free cr now hehe.

yes

01-03-2007, 11:33 PM	#2
DaFace Kind of a mod Join Date: Aug 2005 Location: Donkey Land Casino cash: $-1923101	It only gave me one of the three. I'd imagine it's because I moved less than a month ago, though.
Posts: 53,154

01-04-2007, 12:48 AM	#3
wutamess MVP Join Date: Aug 2000 Location: Lee's Summit Casino cash: $4711637	I went the www.csccredit.com method. Mailing supporting evidence tonight. Hopefully I'll have all 3 well above 700 now.
Posts: 8,290

01-04-2007, 10:21 AM	#4
Bwana It's Five O'Clock Somewhere Join Date: Aug 2000 Location: Billings, Montana Casino cash: $2135790532	Bump for the day crew in the event you would like to get a report. __________________ Adventure is dangerous....but monotony can kill you.
Posts: 70,499

01-04-2007, 11:07 AM	#5
banyon Supporter Join Date: Aug 2005 Location: Hermosa, SD Casino cash: $10176551	BTW, for people's info. I'd recommend choosing the Equifax report, since it is the only one you can print off instantly. 2nd, don't do this too much, multiple credit report requests could actually affect your FICO score. 3rd, disputing anything wrong with one of the agencies means that they have to report it to the other two as well. __________________ “When war breaks out people say: 'It won't last, it's too stupid.' And war is certainly too stupid, but that doesn't prevent It from lasting.” ~Albert Camus, The Plague.
Posts: 44,355

01-04-2007, 12:01 PM	#9
Donger "Think BOOM!" Join Date: Nov 2003 Location: 33.675° N 106.475° W Casino cash: $6809900 VARSITY	Is this worth doing if your credit score is already good? __________________ I think the young people enjoy it when I "get down," verbally, don't you?
Posts: 191,135

01-07-2008, 08:12 AM	#10
Bob Dole King Shit of **** Mountain Join Date: Aug 2000 Location: Texarkana, Texas Casino cash: $-1374563	It's that time of year again.
Posts: 51,611

01-07-2008, 08:49 AM	#11
BigRedChief Has a particular set of skills Join Date: Dec 2003 Location: On the water Casino cash: $-831038 VARSITY	I pay them for the cerdit monitering. I have a DOD "Secret" clearance. 90% of all clearances get denied because of poor credit. Someone starts to use a credit card, start an identity theft I'll know about it. __________________ Mahomes is not a game manager. Release the Kraken.
Posts: 81,362

01-07-2008, 08:52 AM	#12
Sure-Oz Stay positive, don't give up Join Date: Dec 2001 Casino cash: $1609383	This isn't one of those things where you actually get a free report and then later are charged $15/mo out of nowhere is it?
Posts: 46,340