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  1. #1
    Jamieson Fredrick
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    Default free credit report



    Does anyone know of where I can get a FREE credit report (emphasis being on

    FREE)... they all claim to be free, but require you to give your Credit Card

    number, and I just don't trust that...

    Any ideas or suggestions would be GREATLY appreciated!

    Please feel free to e-mail me offlist at jfredrick@morcomm.net

    Thanks!!

    -Jamieson












  2. #2
    amee_89120
    Guest

    Default free credit report





    go to www.annualcreditreport.com. Then you choose your state and fill

    out info. It is totally free and I think govt. approved. After you

    fill out all the info it will take you to page where you will see link

    for all 3 major credit report site. You click on first then it will

    ask you if you wana go to that page say yes. It will take you out of

    their site and to credit agency's site. You will get free report but

    it will ask you if you wana buy credit score for any where from 6 to

    10 bucks. diff on diff agency. We have gotten our report there. If you

    are just checking to see if all info is right then just get free

    report but if you know its right and you are thiking about buying

    house what not then buy the score because that is the best way to find

    out what you credit really is like. At the annualecreditreport site

    you can either just check one agency at time or all 3 at onces but you

    can do it for free just 1 time a yr. so you can check all three today

    or say check report on 1 agency today then 4 months down from other

    ect ect. you get point. Make sure you go thru the annualcredit report

    then go to each major agencys site. Other wise they will ask you for

    cc like you see.


















  3. #3
    lmorgan74
    Guest

    Default free credit report





    Jamieson,

    If you are worried about credit card fraud, go to a reputable company

    site like Experien.com to pull your credit report. They only need your

    credit card number for payment--trust me, they already have all of your

    account numbers if they wanted to do anything with that info. If you

    are wanted to check it before you inquire about a loan, you should call

    the bank you want a loan from and find out what company they will be

    using to pull your credit report and then get a copy of your report

    from there. Something different reporting companies have different

    information depending on who is submitting info to them. I don't think

    you are going to find a free comprehensive report from anywhere. But

    like I said, if your are worried about giving one of them your credit

    card number, you really don't need to be becuase they already have it

    in thier files--which you will learn as soon as you see your report.



    Lori

    Dallas

    --- In Budget101_@yahoogroups.com, "Jamieson Fredrick" <jfredrick@m...>

    wrote:

    >

    > Does anyone know of where I can get a FREE credit report (emphasis

    being on FREE)... they all claim to be free, but require you to give

    your Credit Card number, and I just don't trust that...

    > Any ideas or suggestions would be GREATLY appreciated!

    > Please feel free to e-mail me offlist at jfredrick@m...

    > Thanks!!

    > -Jamieson


















  4. #4
    Cinnabunz67@aol.com
    Guest

    Default free credit report



    If you are turned down for a loan or credit card application, they are

    required to provide you with a free copy of the report. Aside from that, I

    don't

    know of any free ones, but the three major credit reporting agencies charge

    only $9 per report. It is necessary to get them all, because most items are

    only reported to one of the agencies.

    I worked for a bankruptcy attorney for a year and a half, and saw many of

    these reports...they are well worth the $9 each. Also, regarding the

    bankruptcy discussion....bankruptcy laws are federal. Student loans can never

    be

    cleared through bankruptcy. As someone else stated, taxes can only be cleared

    if

    they are several years old...I think 3 years is correct.

    At that office, I was in charge of contacting creditors to work out deals

    for clients who wanted to attempt to pay off debt instead of filing

    bankruptcy. I can tell you that most...not all...credit card companies will

    work with

    you to lower the total amount you owe IF you can pay them with a lump sum.

    For example, if you owe $5,000, and offer them at $3,000 lump sum payment,

    they may agree to wipe out the rest of the debt. This will show as being paid

    in

    full on your credit report. Many companies were willing to go as low as 50%,

    but only after haggling for a couple months. I never had any success in

    getting them to lower the interest rate. If you attempt to do this yourself,

    make

    sure you have documentation of all telephone conversations, and a signed

    agreement stating that the rest of the debt is forgiven when you send them the

    lump sum.

    Cindy





    [Non-text portions of this message have been removed]














  5. #5
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    Default free credit report

    Beginning at the first of this year, one credit report per year is free. It was
    being phased in a few states at a time. Depending on where you live, you might
    be able to get a free one already. The link is here:
    https://www.annualcreditreport.com/cra/index.jsp
    Nancy/NC

  6. #6
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    Default

    there is a new fed. law where you can get your credit report free once a
    year...the site is
    http://www.annualcreditreport.com

    This will tell you when your state is eligible...I did this already (in wi)
    and it is free except if you want your credit score you have to pay but the
    reports from each of the three companies is free..

    hope this helps..jeanne

  7. #7
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    We ordered ours, but never got them. Two of the agencies wouldn't let us get
    them online. The one that did, was so far behind it wasn't funny. They had
    us at an address 3 homes ago and there wasn't anything there that was still
    current. I don't know how to get them to update, but it was ridiculous. One
    of the ones we sent in for via regular mail, is one that caused us to not
    get into an apartment and we still don't know why.


    Stacy in AZ

  8. #8
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    https://www.annualcreditreport.com/cra/index.jsp

    The link above is the official website that you can get you annual
    credit report from the 3 credit bureaus. It will not include the FICO.

    What I've read from clarkhoward.com is to get your credit report from
    one bureau (ex. Experian) check it thoroughly and in a couple of
    months get it from the second (ex. Transunion) bureau and then wait
    several months and check the third bureau(ex. Equifax). This way you
    can keep a track as to what Experian, Equifax and Transunion have in
    there files on you on a consistant basis and you can begin the cycle
    again. It doesn't make a difference which you do first, it is up to
    your preference. Hope my explanation on spreading out checking the
    reports made sense.

    M

 

 

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