Ugly
Fishy Cool Bird
join:2001-12-12
The Meadow
 ·Comcast
| [truly free credit report] law sez so, but #%^* where? How?
Please & thank you for what (I hope) is an easy answer. 
Federal law requires major credit bureaus (all three or four of them) to provide consumers a FREE credit report yearly.
Thus, a smart bird who paces requests one per quarter will get 4 reports a year, one every three months or so.
Yet the bureaus have hidden this from the consumer to promote their paid services as an alternative.
• Does anyone know where or how this is done, please?
Then I will sitemark my thread to save your kind response.
Thank you!
Ugly
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Oh, I love the smell of fish. Guts, rotten, it's all good. |
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dandelion
Premium,MVM
join:2003-04-29
Germantown, TN
clubs: | »www.ftc.gov/bcp/edu/pubs/consume···e34.shtm |
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dvd536
as Mr. Pink as they come
Premium
join:2001-04-27
Phoenix, AZ
| reply to Ugly
said by Ugly  :Please & thank you for what (I hope) is an easy answer. Federal law requires major credit bureaus (all three or four of them) to provide consumers a FREE credit report yearly. Thus, a smart bird who paces requests one per quarter will get 4 reports a year, one every three months or so. Yet the bureaus have hidden this from the consumer to promote their paid services as an alternative. • Does anyone know where or how this is done, please? Then I will sitemark my thread to save your kind response. How do you figure?
-
the math:
3agencies, one report per year from each.
3x1=3, not 4.
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When I gez aju zavateh na nalechoo more new yonooz tonigh molinigh - Ken Lee |
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Rob
In Deo speramus, God Bless the USA
Premium
join:2001-08-25
Kendall, FL | reply to Ugly
»www.annualcreditreport.com/ |
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LittlePiggie
Premium
join:2009-09-11 | reply to Ugly
You want a Credit Report or your FICO score?
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»www.ip-adress.com/ip_tracer/ |
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jeffster1970
Whatta Ya Think About Dat?
Premium
join:2004-04-01
Kitchener, ON
clubs:
 ·magicjack.com
·Vonage
 ·Acanac
·Bell Sympatico
| reply to Ugly
If the USA is anything like Canada, you have to fill out a form and send it off to the credit reporting agency. You wait until they send you out the report. Free, but it takes time. I know in Canada we have transunion and equifax, perhaps a third, anyway, usually you can find the form at their website. Cost would be your envelope and stamp.
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This message was composed using 100% post-consumer recycled electrons, please recycle responsibly. Composed and sent with Mac OS X... because windows sucks. Public PGP Key available. Opinions expressed are entirely my own.
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CylonRed
Premium,MVM
join:2000-07-06
Bloom County | reply to Ugly
it is 3 agencies - one every 4 months. tons of places to find the true web site... |
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LBDSL
Lightning Bolt
VIP
join:2002-01-07
Auburn Hills, MI
| reply to Ugly
Very 1st result in google, using free annual credit report (not reallt hidden!)
»lmgtfy.com/?q=free+annual+credit+report
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Lightning Bolt Technologies |
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ccallana
Huh?
Premium,VIP
join:2000-08-03
Folsom, CA
| reply to Rob
This is the best one if you want to connect to all 3 agencies -
or you can go directly to each one.
The one with the commercials, freecreditreport.com is not free.... 
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"We are half-hearted creatures, fooling about with drink and sex and ambition when infinite joy is offered us.... We are far too easily pleased." C.S. Lewis |
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c4junk
Premium
join:2004-05-08 | reply to Ugly
You get 1 report per year from the 3 different agency's- but that is report only, if you want credit score you have to pay-usually $5 or at some sites sign up for some (not free) credit monitor service. |
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patcat88
join:2002-04-05
Jamaica, NY
| reply to ccallana
said by ccallana :The one with the commercials, freecreditreport.com is not free.... freecreditreport.gov is |
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CylonRed
Premium,MVM
join:2000-07-06
Bloom County
| It is free because it tells you to go to the correct site to get the free reports. It actually redirects to: »www.ftc.gov/freereports
Since you can't get a report from that site - it is essentially free.
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Brian
"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain |
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russotto
join:2000-10-05
Collegeville, PA | reply to Ugly
Remember also you're entitled to a free report any time you are denied credit as a result of information on the report. The lender doing the denying is supposed to provide you with this information. |
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Koil
Premium
join:2002-09-10
West Columbia, SC
clubs: | reply to Ugly
Remember, your credit report and your FICO score are two different things. FIXO score is not included on your credit report. |
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BoulderHill1
join:2004-07-15
Montgomery, IL | reply to Ugly
Not hidden really. You just write them a letter and ask for the report.
I do this once a year or so for the last 20 years. |
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Loco
Premium
join:2002-11-09
So Cal | reply to Ugly
Nice. |
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seaquake
Premium,MVM
join:2001-03-23
Millersville, MD
clubs:
 ·Verizon FIOS
| reply to Koil
said by Koil :Remember, your credit report and your FICO score are two different things. FIXO score is not included on your credit report. Using the annual credit report site listed above, I got my credit report and scores from the 3 main agencies. It takes a bit of doing since you are directed to the 3 different agencies and 3 different interfaces, but it's not too bad. |
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hortnut
Its been a hard road.
join:2005-09-25
All Over
·BCTelco
·Qwest.net
·Skype
·Comcast
| reply to Ugly
To add to what others have said - I like to mail my request. It requires less information from you and it is a one page form in PDF form. Just need Name, SS#, DOB and address/s.
I find I get my free reports just as fast online. I do not like to do it online, as they seem to ask more questions of you that I am sure will end up in their databases.
»https://www.annualcreditreport.com/cra/order?mail
From that site, scroll down to this part:
" To Request your Credit Report by Mail:
1. Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
2. Print and complete the form
3. Mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.""
Just make sure to shade in the 3 Agencies at the bottom.
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Darn, its gettin that time to go to Wallymart to gits me picture taken agin.
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peterboro1
join:2006-11-03
Peterborough, ON
| reply to jeffster1970
said by jeffster1970 : Cost would be your envelope and stamp. I used an old fashioned facsimile machine. |
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bent
not broken
Premium
join:2004-10-04
Loveland, CO
clubs:
·Comcast Formerly ..
| reply to c4junk
said by c4junk : You get 1 report per year from the 3 different agency's- but that is report only, if you want credit score you have to pay-usually $5 or at some sites sign up for some (not free) credit monitor service. The only score that's worth paying anything for is from »www.myfico.com
Anything else is worthless.
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Greedy Old Pigs |
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