annualcreditreport.com

cream_pleaseJanuary 13, 2009

Just wondering if anyone ever uses this?

I'm extremely leery of divulging personal info online, but I'd like to know my credit score and this place supposedly has reports from the three major credit reporting firms.

Says you can get a copy of your report free once a year.

Cream

Thank you for reporting this comment. Undo
seattlemike

There are lots of such services. I just happened to find this article that rated and compared many of them. I can't vouch for the article itself, but it seemed legit to me. Hope it helps.

Here is a link that might be useful: Various Credit Report Services Rated

    Bookmark   January 13, 2009 at 2:41AM
Thank you for reporting this comment. Undo
western_pa_luann

Yep, you can get free reports at that site.

I stagger them so that I get one every 4 months from one of the bureaus.

DO NOT sign up for any monthly program... unless you want to. The yearly report is FREE!

    Bookmark   January 13, 2009 at 8:50AM
Thank you for reporting this comment. Undo
babs77

CreamPlease, this is the website (annualcreditreport.com) that is an authorized site per the FTC. Do not use any other, unless as Western PA says, you want to pay for it. It is now federal law that you do NOT have to pay for your credit report.

Per the link below: "Important information from the Federal Trade Commission, the nationÂs consumer protection agency: annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report."

It is a secure site and I and DH have used it for 3 or 4 years now. However, please be aware that you can't get your credit SCORE for free, only your credit report. However there are ways to find out your credit score for free -- I asked a few years ago while at a dealership leasing a vehicle. They ran my score and I asked what it was. DH did the same about two years ago when we were thinking about re-financing our mortgage. Some are willing to tell you what your score is...

Here is a link that might be useful: FTC link re annualcreditreport.com

    Bookmark   January 13, 2009 at 10:24AM
Thank you for reporting this comment. Undo
outinthecountry

Cream, I've used the annualcreditreport.com site for several years, and like someone else suggested, request a copy every 4 mos from a different credit bureau on a rotating basis. If you're not comfortable doing it over the internet, there's a link where you can print a form and mail it off to them. Your credit report will come in the mail pretty quickly. They're very reliable.
Tammy

    Bookmark   January 13, 2009 at 2:36PM
Thank you for reporting this comment. Undo
cream_please

Thanks for sharing your experiences.
Appreciate it...
Cream

    Bookmark   January 13, 2009 at 5:41PM
Thank you for reporting this comment. Undo
joyfulguy

Memo to Canadians,

Do you know whether there may be a similar officially sanctioned site in Canada where we can access our credit reports?

Thanks.

ole joyful

    Bookmark   January 17, 2009 at 12:03AM
Thank you for reporting this comment. Undo
seattlemike

I could use some help from those who are using annualcreditreport.com. Based on the comments here, I tried that site but kept getting into signing up for a free 30-day period, followed by an automatic $15.95 per month unless I cancelled. Have I "missed a turn", so to speak? I could use some specific directions on how to set things up without going thru the payment-cancellation drill, if that's at all possible. TIA

    Bookmark   January 19, 2009 at 2:17AM
Thank you for reporting this comment. Undo
babs77

Mike, although they do offer additional information for a one-time or monthly charge, your report itself is free. Go to annualcreditreport.com and select your current state and click Request Report. You will be required to enter your full name, current address, DOB, SSN and your last previous address. Then select Continue. You can then choose from any of the 3 reporting agencies (or all 3). You'll then be connected to the one (or first of the 3) that you selected and you'll get some prompts for some $$ offers but just keep selecting "No, Thanks" button (or the equivalent).

HTH. Post back if you're still not sure how to by-pass these additional offers.

    Bookmark   January 21, 2009 at 1:44PM
Thank you for reporting this comment. Undo
babs77

OJ, I researched your question and it looks like you can obtain a free credit report in Canada, but not on-line (only through the mail). They don't make it as obvious or easy to find as here in the US.

TransUnion of Canada:
http://www.transunion.ca/ca/personal/creditreport/consumerdisclosure/mail_en.page
Click on the "Download and complete form" link.

Equifax Canada:
http://www.equifax.com/EFX_Canada/consumer_information_centre/faqs_e.html#ques5
Click on "How can I get a copy of my credit report?" then click the "request form" link.

    Bookmark   January 21, 2009 at 4:21PM
Thank you for reporting this comment. Undo
seattlemike

babs77: Many thanks for your reply. I'll give it another try tomorrow and will holler if I get stuck. Thanks again!

    Bookmark   January 21, 2009 at 11:24PM
Sign Up to comment
More Discussions
Off topic: A sad tale but also true...
A widow friend of mine was telling me today about the...
budster
How to get $1.00 worth of Cdn. charitable value for 50 - 60 cents
If I buy some groceries in the food store and put them...
joyfulguy
kitchen sink size???
What is the best size for a kitchen sink? I am thinking...
abekker
Problem: 400 lbs. meat, 90 degr heat, power outage 6 hour, ongoin
When the power went out just after 4 p.m. Thursday,...
joyfulguy
Is this freebie site safe to use?
I found this site today but wasn't sure if I should...
marie26
© 2015 Houzz Inc. Houzz® The new way to design your home™