Skip to comments.anyone used 'free credit report.com' or similar?
Posted on 11/04/2011 10:29:50 AM PDT by WOBBLY BOB
are they really free? do they want a credit card # ? are they understandable and offer a real score?
The others are not free.
annualcreditreport.com does not give a credit score unless you pay one of the 3 credit companies for it.
Are you on pretty good terms with your insurance agent? They can tell you your score for free.
It is “free” for a month then they hit you with recurring charges (somewhere in the neighborhood of $20 per month). There is no way to cancel online so you have to call, wait about 30 minutes to speak with someone, then argue with them as they try to talk you out of cancelling. Keep in mind they are only open during work hours so if you have a demanding job and can’t find an hour to deal with the crapola during the day, you are stuck with the recurring charge. Just depends if going through that is worth it to you. The only reson I did it was to make sure I had anything negative on my security clearance application.
yes and no. They give you one reporting agency free but they want you to sign up for credit monitoring and then make it difficult to cancel when the free trial is over.
“annualcreditreport.com is the legit one.
The others are not free.
annualcreditreport.com does not give a credit score unless you pay one of the 3 credit companies for it.”
Ditto, I just helped a friend do his the other day. You don’t get a score unless you pay for it. And annualcreditreport is the right one. You only get one per year, so the suggestion is to do all three at once, (to make sure there is nothing inaccurate on any of them, and then the next year, to do one every 4 months. You can do as you see fit, but that’s just a common suggestion. Some Credit Cards will give you your score when you log in (if you have an account), I know Washington Mutual did, but that my Chase (who bought them) does not. Your’s might if you want the score for free. Good luck!
Consumer advocate Clark Howard (clarkhoward.com) has a good roundup on this. Check under ‘Clark’s Greatest Hits’.
Don’t do it
I got my credit score when I visited a car dealership. You’ll probably need to tell them your SSN.
By law, you are entitled to one free credit report each year but that is *not* the same as the credit score. The credit report will tell you what is on your credit record going back a long time. The credit score is not on there. The credit score (used to help determine loan rates) is something supplied to people looking to set you up with financing on a major purchase (home, car, etc.).
Both pieces of information are useful but they are also fluid, meaning they are subject to change whenever new data comes in.
Is it true that checking your credit score too often can harm your credit score?
No. Getting a copy of your credit report or your credit score does not go on your credit record.
You’re allowed to get a copy of your credit report free of charge from each of the credit reporting agencies once a year. I’ve done it a couple of times. Equifax is one, I don’t remember the names of the others, but its easy to find out. It takes some time; you have to jump through hoops to verify your identity, etc.
As far as your score being hurt by checking, I don’t know, but it seems a bit counterintuitive. Maybe if you checked it dozens of times over a few weeks.
I’ve done that. no credit score is can see on there, just shows where you’ve paid and if there’s any 30/60/90/120 days late...
This is not true. Your access to your credit report or credit score does not affect your score.
There are different types of credit report inquires. The only one that "counts" is one that is made for the purpose of granting you new credit.
Existing creditors usually do periodic reviews. Those are different types of inquiries, which don't affect your credit score -- unless they screw up and designate the wrong type of inquiry.
Credit inquiries made for the purposes of a job application may affect your score, depending on how it is coded. Credit inquires made by the US goverment "Office of Personnel Management", or OPM, do count against your credit score -- even though they shouldn't.
I'll leave the reason for an OPM inquiry as an exercise for the reader. I'm sure that some of you know why.
sounds like the fresh hell I once walked into after buying flowers via 1800flowers.
He is right about the credit score. It's not really relevant to you personally, unless you are trying to determine if you should refinance now.
However, it is worthwhile to check your three credit reports, using the URL that has been cited above. Review those reports and determine if there are any inaccuracies. You should deal with them before you start any refinancing.
If your current mortgage was resold after you originally got it, there's a good chance that your credit report will have entries for both of them. And, the first one won't necessarily reflect that the account was paid in full. Unless someone looks at it closely, it will appear that you are making two (or more) identical payments.
This has happened to me... twice.
Yeah, I read all the way through your question after I posted my earlier reponse. Sorry to have wasted your time telling you what you already know.
I noticed that too, that they don't give you your "score" on the free report.
Personally, I don't care. The score is, I'm sure, reflective of your overall record. Do you know for sure of some cut-off line you need to be above for whatever reason?
I just assume that the score is a single number that tries to distill your overall record. I also assume (perhaps wrongly) that most lenders will take a quick look at your score and then look into the reasons behind it before making a decision. If you have adverse material in your record, for sure they'll see it. Bankruptcy is very bad, of course. Slow pays are not so bad, I think, as long as they're rare and not recent.
They also look for evidence that you're able to accumulate assets.
Obvious, I know.
There are others on this forum that know a lot more than I about almost anything you can name. Perhaps one of them will show up.
But be careful. Using a vendor results in a negative ping as each time is recorded by the reporting agencies. They assume each look at your credit reports is actually seeking credit and the more looks the lower they will drop your scores.
Looking at your own credit is not a negative ping. If a high score is your goal it is best to use the once annual freebie. If you want to see your reports more often it is best to actually pay the agencies so it is recorded as you looking and not a credit provider.
Great site - thanks.
The others are Experian and TransUnion.
I want to make sure I’m at or about 730+ before refinancing.
Can’t tell if I am. reading those are like reading the VIN plate on a car...means nothing if you don’t know the codes and secret handshake.
If you know anybody in that business, give 'em a call....the only info required is your name, address and Drivers License number IIRC.
The only negative I found was some jackwagon book club who claims I ordered a book and that I didn’t pay.
I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did. A buddy of mine who works in the biz says to just pay them their extortion $ and send proof to the credit gods to atone for my alleged sin.
I'm not sure about the details. Having your credit checked too often is a minor negative (i.e. It makes it look like you are about to add lots of debt.) Unsolicited checks of your credit (by credit card companies with pre-approved offers) does not impact your credit. I don't know about personally checking your credit.
I have the three companies set on my calendar 4 months apart. I check each one once per year. (Not a score, but only credit history.)
I've had my credit union tell me my score before. I'm not sure what their policies or rules are. (i.e. I'm considering refinancing, what does it look like? What kind of rate will you give me? Etc.)
If you have a 5+ years of credit history, and don't have any delinquent accounts in the past year, you should be fine.
But, go ahead and get your credit score. Go to someplace like Equifax.com or Experian.com and get it directly from the reporting agency.
No, you don't ask them to remove it.
You tell them that it is wrong, and demand that they verify it. The responsibility to prove it is valid is Experian's, not yours.
If the book club still claims you owe, then you demand that the book club produce a contract with your signature on it that obligates you to pay.
found it, thanks
still not clear on how /where to find the actual FICO score on the Equifax, Experian and TransUnion reports
If you click into one of those sites, do it from somebody else's computer. Somebody you hate.
any relation to Clark Howard?
You have to read the mico-print really, really fast at the bottom of those FreeCreditReport.com ads at the end of the ad.
From my understanding, you’ll need to tell all 3 agencies (assuming the book club error appears on all three reports) that you dispute it. They will give the book club a certain amount of time to respond to their inquiry (3 or 6 months, I think) and if they don’t respond (which most places don’t, too time consuming), it will be removed.
I found out by accident that the motherless freak bloodsuckers who collect taxes in CA entered a tax lien
against me for property I sold years ago. Since I was
a WA resident at the time and could prove it I owed CA squat and was able to get the lien quashed.
Now I religiously check my credit a couple times a year through Chase to make sure they
1. don’t have bogus info and
2. dispute negative info with creditors.
This could be a very bad thing for your credit! You want to write to the credit agencies again, stating that this is an incorrect entry. By paying the creditor, especially if you didn't owe it, will pretty much guarantee that you'll have a "late pay" note on your credit report for the next 7 years, starting at the date the creditor reports the payment. If you don't owe it, you need to write to all three agencies, and dispute it.
Credit companies WANT to remove "dings" you don't deserve. They can be sued huge amounts of money if they're wrong and you can show you've disputed it.
https://www.annualcreditreport.com/cra/index.jsp is where you really want to go. The Big Three credit agencies are required by law to give you one free credit report per year per company, no strings attached; this site is their portal for doing so.
A rate term refi should be ok down to 720 at a 80% lTV.
A lower LTV would probably give even more room if the score was lower
My wife used to work in a credit union call center. She said that she spent half of her working time canceling payments to these services for members.
thanks. I will try again based on you and justlurking’s info.
hopefully it’s not going to take 3-6 months to resolve.
Just an FYI, the only people who are supposed to provide your score is the credit bureaus. The car dealer or credit union or bank are not supposed to give you the actual number. They usually will if you ask nice.
Not Moe, Shemp, or Curly, either.
I will be in trouble then! I always offer to give a copy out.
The reason we are not supposed to; is the credit bureaus charge a certain price if we say we don't. The bureaus want to sell sell more products.
I feel pretty strongly about getting a copy in peoples hands so they can go over it and see what's there.
You are allowed one free credit report per year from each of the three credit rating agencies. Why go through some website where they will hard sell you some service you don’t want?
none of the free ones you’re entitled to once a year tell me an actual FICO score
I print out the request form for the free credit reports and mail it in - it comes back within a few days - there is no score unless you pay - but the upside is - no cookies on your computer - no chance of accidentally signing up for something you don’t want - no unsolicited emails etc. - the form is so simple - just a few lines - check boxes at the bottom of the form and you’ll get a free report from each of the three agencies - if you’re married you also get one of each for your spouse at no charge. https://www.annualcreditreport.com/cra/index.jsp
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