Someone suggested getting one every 4 months from one of the 3 credit unions, so one can keep an eye on things throughout the year, as opposed to once a year if all 3 are pulled at the same time.

Sue

I'm pretty sure that is the 'right' one, but was hoping that someone would back me up on it being right.

ONE note of issue; The free reports do not come with valid (or any, for that matter) calculated FICO scores... just the raw liability history & data.

This is not UNuseful... but be aware that if you want your credit reports to use as benchmarks for any kind of actual credit applications you'll need to have a regular tri-merge (industry specific) pulled so you know the actual FICO scores.

Further, be aware that different industries subscribe to different FICO algorithms... so a set of mortgage scores won't help for a car loan, or insurance grading, or consumer credit.

OK... that's my "public announcement" for the weekend.

Cheers,
Dave Donhoff
Strategic Equity & Leverage Planner

What I don't know is who will be providing me a report, Equifax. Experian, or TransUnion? I don't want all three reports at once.

Once you fill out the extensive form, and enter (or continue) somewhere it will then ask which credit reporting agency you want the report from. You can then check one, two, or all three of them.

I used the site a couple of weeks ago, and got my report from TransUnion.

Sue

I am still worried about entering my SSN online. Have you had any problems in terms of identity theft?

Sue

This is nothing to do with credit report, but the daffodil in your page is very pretty. I planted 50 daffodill bulbs last month. I can't wait next spring!

But DON'T pay any attention to the credit scores! They are fakos (just a guesstimate and can be off by as much as 100 points!)

And yes, you should pull your credit reports from all three bureaus! Click on the links and it will basically walk you through it. Be prepared to answer verification questions about loans, payments and such. If you enter the wrong info, you will have to then get them by mail, possibly.

To pull all three credit reports after getting the freebies, you can go with either http://www.truecredit.com for 14.95 per month (you are allowed to update reports every 24hrs and 1min). Another place to get them with your real fico scores are http://www.myfico.com

I'm on the free forums there at myfico and absolutely love it!

Your free annual report is extremely helpful, but you will not get your actual FICO scores, you have to pay for those. If you want to pay for those, be sure and check for online coupons. I saved 20% last week when I pulled mine.

Re: FAKOs. I have subscribed to True Credit for a few years. While it is good for catching things on your report, and getting emails alerting you to new inquiries or problems, the FAKO scores can REALLY be off. I paid for my FICOs last week, and they are much higher than what True Credit says, 44/52/65 higher - that is very significant.