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| I was wondering if any of the online "Free Credit Report" offers are legitimate and if so, which ones? I'm reluctant to give the personal info needed to get the report if this is a scam. If these aren't on the up and up how would I go about getting my report? |
Follow-Up Postings:
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| mare The one we use is www.annualcreditreport.com This is also the one many of the experts recommend I know a few folks that said "I pay my bills on time so I have a good score" imagine their surprise when it was low. knowing your score can help if you are looking for a loan you can tell the lender "based on this score what would the rate be?" |
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| below is a link to some great info too. It also includes the link to get the reports. |
Here is a link that might be useful: Federal Trade Commission-Facts for Consumers
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- Posted by moonshadow (My Page) on Mon, Nov 5, 07 at 13:02
| I use annualcreditreport.com as well. No gimmicks there. If you want to monitor your credit several times a year you can do it there for free. Example: get a report from Equifax now. Free. |
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- Posted by dave_donhoff (dwdonhoff@hotmail.com) on Mon, Nov 5, 07 at 13:14
| Hi Mare, Checking your credit on a scheduled regularity is just as important to your safety & wealth as having dental & physical checkups is to your health. You can get your basic account reports for free directly from each of the three major bureaus (Transperian, Equifax and Experian.) You'll want to get a full tri-merge report that includes your actual credit scores (3 total per person, one from each bureau,) and the 'reason codes' (4 per score) that detail why each score is calculated as far below the perfect 850 as it is. These are basically only available through a mortgage loan officer (usually a broker,) so having a good relationship there is a healthy/wealthy idea. Luck! |
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| Thanks to all of you for the excellent information and advice. I sincerely appreciate it. |
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