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Grand Poohbah
Member Since Jul 2005
Location: Ohio
Posts: 1,526
19 |
Nov 28, 2005 at 08:23 PM
#1
Does anyone know of a swell site where I can obtain a copy of my credit report...without fees and other Baloney? I just want a free credit report and no Hocus Pocus. Sheesh!
 Thank you for your time! __________________  dottie |
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Elder
Member Since Jan 2003
Location: Pacific NW
Posts: 6,224
21 
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Nov 28, 2005 at 08:24 PM
#2
yep - depending on your state, you are legally entitled to a free credit report. Try equifax.com.
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Member
Member Since Jun 2005
Location: England
Posts: 192
19 |
Nov 28, 2005 at 08:32 PM
#3
I work for a bank and I wanted to get a free credit report thru work, the answer, a big fat NO!! Grrrrrrrrrrr
 
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Elder
Member Since Jan 2003
Location: Pacific NW
Posts: 6,224
21
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Nov 28, 2005 at 08:35 PM
#4
I got a free one via Equifax. I do it each year on my birthday. Yes, it's free but even before it was legally required to be free, it was only something like $7.
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Grand Magnate
Member Since Jun 2005
Location: Official Thread Killer of PC
Posts: 3,714
19 |
Nov 28, 2005 at 08:41 PM
#5
The ONLY way I know how is to apply for something BIG that you will not get and then you can see your report free when you are turned down
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Elder
Member Since Jan 2003
Location: Pacific NW
Posts: 6,224
21
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Nov 28, 2005 at 08:43 PM
#6
yeah, but Sleeps... I don't know if it's like this in other countries, but here, doing that HURTS your credit score. You don't get dinged at all for checking your own credit, but you do get dinged for a) applying and receiving, or b) applying and being rejected by an actual lender.
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Grand Poohbah
Member Since Jul 2005
Location: Ohio
Posts: 1,526
19 |
Nov 28, 2005 at 08:46 PM
#7
Really? Now that's el cheapo. Sheesh!
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Grand Magnate
Member Since Jun 2005
Location: Official Thread Killer of PC
Posts: 3,714
19 |
Nov 28, 2005 at 08:48 PM
#8
yeah lmo i think it does look semi bad but if she needs a free report for some reason its a good way to get it for sure
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Grand Magnate
Member Since Dec 2004
Posts: 3,600
19
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Nov 28, 2005 at 08:49 PM
#9
Dottie,
LMo is correct. There was once a fee for your credit report but not anymore. Equifax does provide a free copy of your credit report. You can also try Trans Union or Experian also. Those are the three major agencies. Good luck. Huggles, Jen |
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Elder
Member Since Jan 2003
Location: Pacific NW
Posts: 6,224
21
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Nov 28, 2005 at 08:54 PM
#10
I think you're limited to one per year, though
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Grand Magnate
Member Since Dec 2004
Posts: 3,600
19
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Nov 28, 2005 at 08:56 PM
#11
I do beleive that is the case LMO. Thanks
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Guest
Posts: n/a
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Nov 28, 2005 at 09:27 PM
#12
Yeah, I just had one done. You get the report but not the score, though.
I don't have the link. I just erased it from my favorites.You have to be careful not to get sucked into that free month trial of credit monitoring. Don't sign on to that deal 'cause you'll forget to cancel the monitoring and having to pay for it. There is a way to get it without that b.s. but I forget how I did it. Anyway, try google and hunt around. Try government sites for credit. They're pretty reliable. |
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Grand Poohbah
Member Since Jul 2005
Location: Ohio
Posts: 1,526
19 |
Nov 28, 2005 at 09:47 PM
#13
Thanks..I appreciate your help. As luck would have it though, about 5 pages were legible...seems I ran out of black ink. (I just put a new cartridge in my printer.) Grrrrr!! So I was only able to have 5 good pages out of 31. Good gravy!!
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Poohbah
Member Since Dec 2002
Location: DC metro area
Posts: 1,366
21
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Nov 29, 2005 at 04:31 PM
#14
Federal Trade Commission http://www.ftc.gov/bcp/conline/pubs/...reereports.htm
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Pirate Goddess
Member Since Oct 2005
Location: South Jersey, USA
Posts: 5,246
18 513 hugs
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Nov 29, 2005 at 04:40 PM
#15
I can't speak for all states, but NJ residents are entitled to free credit reports (I don't know if there's a limit on number per year or anything) as of September. Also, if you try to get a product that requires they do a credit check on you, you also get a copy of that check, at least if you're rejected. I tried to get a Dell PC earlier this year, and was rejected...because I don't have any credit. But it got me a free credit report, anyway. :/
__________________ Maven If I had a dollar for every time I got distracted, I wish I had some ice cream. Equal Rights Are Not Special Rights  |
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Grand Poohbah
Member Since Mar 2005
Posts: 1,736
19
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Nov 29, 2005 at 04:46 PM
#16
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Elder
Member Since Jan 2003
Location: Pacific NW
Posts: 6,224
21
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Nov 29, 2005 at 04:50 PM
#17
I always save mine to my hard drive, Dottie. I don't like relying on paper copies
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Veteran Member
Member Since Aug 2004
Location: Michigan
Posts: 449
20 |
Nov 30, 2005 at 12:29 AM
#18
I tried to get my free report. I hadn't ever had one done, but from what I read, they are only free in my state if you are denied credit for some reason, so I paid the eight dollars or whatever at equifax.
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Poohbah
Member Since Dec 2002
Location: DC metro area
Posts: 1,366
21
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Nov 30, 2005 at 12:47 AM
#19
cms . . . The Fair Credit Reporting Act (FCRA) states you get a free report every 12 months if you request for it. See the Federal Trade Commission's facts on how to get your free report: http://www.ftc.gov/bcp/conline/pubs/...reereports.htm
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Legendary Wise Elder
Member Since Dec 2003
Location: Coram Deo
Posts: 35,474
(SuperPoster!)
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Dec 01, 2005 at 02:38 AM
#20
Yes. GO to each of the 3 credit bureaus Trans Union Equifax and .. the other one. YES you may receive a free report from EACH one of them ONE PER YEAR is free. ALSO whenever you are turned down for credit, you may receive another free report from each one of them. Some can be done online and allows viewing it for a month online... and one allows you to print it off (but they will mail them too..) Read the directions, and keeppushing through and do not agree to pay if it is your first reports in a year or you know your hvae entitlted. Federal Law requres they to provide free one a year (each of teh bureaus as they carry different information sometimes..) good luck.
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