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Credit Histories, Online
Major reporting firms go digital
(old news - 09:18AM Monday Nov 29 2004)
tags: security
As users in our Security forum discuss, consumers will be able to access their credit reports on-line starting December first, opening up a number of obvious security concerns if the project isn't run securely. Adhering to the FACT Act, the major credit reporting companies - Equifax, Experian and TransUnion - have joined forces to offer free credit reports via AnnualCreditReport.com (cut and paste URL for security reasons).

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Forums » Credit Histories, Online
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Post a:
jbjetta
Premium
join:2004-07-23
Laurel, MD

nothing new

I have been able to view my reports and even get TXT notifications if there are any changes or inquries on my credit profile sent to my phone and e-mail.

I think its a great tool when done securely.
Newegg
Supreme Ideology

join:2004-11-14
Atlanta, GA

firefox

ff dont work with that site
jbjetta
Premium
join:2004-07-23
Laurel, MD

Re: firefox


I don't use that site though. However, equifax offers the same thing on their own site and firefox works there.

Shack

join:2002-01-17
Bloomington, IN
Worked for me, you can't direct link, go to properties and then copy and paste the url

Shack

join:2002-01-17
Bloomington, IN

Re: firefox

Err, that was in response to Firefox.
cooperaaaron

join:2004-04-10
Plainfield, IL
Worked for me, cut and paste...

knightmb
Everybody Lies

join:2003-12-01
Franklin, TN
·AT&T DSL Service
·Comcast
·Vonage
·Speakeasy


1 edit
said by Newegg See Profile:


ff dont work with that site
Tried both FF and IE, neither work. Site must be broken.

[edit: The site comes up, but nothing on the site works]

plencnerb
Premium
join:2000-09-25
Franksville, WI
clubs:
·RoadRunner Cable

Re: firefox

said by knightmb See Profile:

said by Newegg See Profile:



ff dont work with that site
Tried both FF and IE, neither work. Site must be broken.

[edit: The site comes up, but nothing on the site works]
Same thing for me. I'm using IE, and the site comes up, but if I click on the different regions, nothing happens.

Well, by nothing I don't go to a new page....When I move the mouse over the region, or the table under the map, data comes up on the right side of the map to show the states that are in that region.

I think what may be throwing people off is that the mouse pointer changes from the default Arrow, to the one used to indicate a link (in my case, the hand). So, one would assume that you could click, and then go to a new page, or see more information.

Clicking on the different regions of the map does change the URL

www.annualcreditreport.com/cra/index.jsp#SouthernStates
www.annualcreditreport.com/cra/index.jsp#WesternStates
etc

but, nothing else appears to happen.

If they are not really links, then don't make them appear to be links!
--
============================
--Brian Plencner
E-Mail: saursesCancer@comcast.net
Note: Kill Cancer to Reply via e-mail

Boricua65
Oye, chico

join:2002-01-26
Puerto Rico
The site is not broken. The credit reports will not be available until December 1st. My guess, they'll have the website active around that time.

PhoenixDown
-- Wants FIOS
Premium
join:2003-06-08
Fresh Meadows, NY
clubs:

Re: nothing new

jbjetta - where do you get this notification?
--
www.pulsetoday.com -- marketing forums!

dru

join:2000-09-14
Corona, CA

It's nothing new, except for the free part. You no doubt subscribe to a service from one of the credit reporting agencies. The notification services as well as unlimited or multiple access will still be available as subscription services. Free credit reports were usually available on a "trial" subscription basis from various companies, but you would have to cancel within a short time.

Federal law used to require free reports only when you were declined credit based on information in an agency's report. The creditor was required to mail you a "dear John" notice with the addresses of the credit reporting agencies. Certain states required free reports, others limited the fee to various amounts between $ and $12. This new federal law requires free reports, once a year, to all consumers, from all three reporting agencies.

PhoenixDown
-- Wants FIOS
Premium
join:2003-06-08
Fresh Meadows, NY
clubs:

Not available until 9/2005 for the east coast

.. which kind of sucks.

EnzonE

join:2000-03-23
Indiana, PA

Re: Not available until 9/2005 for the east coast

yeah really, things always come first on the west coast, grrr.
hskrfan23

join:2004-03-18
West Sacramento, CA

Re: Not available until 9/2005 for the east coast

that's not true..you always beat us to the next day and every holiday and sunrise and lots of other things

Mr anon

I didn't look

I admit that I haven't looked into this and I'm too lazy right now. Does this mean we will get one free report each year or can we can a few free per year?
jsouth
Jsouth

join:2000-12-12
Wichita, KS

Re: I didn't look

You get one free report per year from my understandidng.
Sean84

join:2001-09-22
Ramona, CA

Re: I didn't look

i thought it was one from each company each year
--
fix it 'til its broke

birdfeedr
Premium,MVM
join:2001-08-11
Warwick, RI
·Verizon FIOS


1 edit
said by Mr anon:


too lazy right now.
Obviously the effects of too much turkey last Thursday.

Check out the details from the FTC themselves: »www.ftc.gov/bcp/conline/pubs/cre···orts.htm

Too lazy to read all through it? "You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months."

Edited: Could have sworn I replied to Mr Anon. Whatever, the details are at FTC.

Mr anon

@emhril.ameritech

Re: I didn't look

Ahhh Thanks for the info, I wonder if the companies are going to stick directly to the rule or allow us to look onine for free as we like and printed once per year as requred.

I'm guessing no as they get money for credit checks by companies, individuals, when buying a house, car, appartments sometimes etc etc. Oh *Puts on tin foil hat* They don't want you to find complain and fix your credit, its more work for them and less money to the credit companies. Debt is good.

I'm done.

Mr Anon2

@pacbell.n

Re: I didn't look

Most likely it costs them money to get an updated report displayed (they of course have to keep a history of what you have viewed for compliance reasons which equals db storage space).
Brisk
Qwest's Spirit Of Service Inaction

join:2003-07-11
Colorado Springs, CO
clubs:

Get two free

You can free credit report a year anyway in a handful of states, including Colorado, Massachusetts, Maryland, New Jersey, and Vermont.
And every six months in Georgia.

So now if you live in those states, you can get your free state credit report and another free one under the new law.
Horray for free stuff.

dvd536
as Mr. Pink as they come
Premium
join:2001-04-27
Phoenix, AZ

Re: Get two free

ANYWAY of getting a free report WITHOUT getting suckered into these plans that are almost IMPOSSIBLE to cancel?
--
You can never be too rich, too thin or have too much Bandwidth
Brisk
Qwest's Spirit Of Service Inaction

join:2003-07-11
Colorado Springs, CO
clubs:


2 edits

Re: Get two free

Go directly to the agency. Do not pass con. Do not get scammed.

»www.transunion.com/
»www.experian.com/
»www.equifax.com/

Only experian actually let me get my report online and without a hassle last time.

»www.experian.com/freestate

Let's hope that FACT changes things.
Forums » Credit Histories, Online


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