Topic '[truly free credit report] law sez so, but #%^* where? How?' in forum 'General Questions' - dslreports.com http://www.dslreports.com/forum/truly-free-credit-report-law-sez-so-but-where-How-23288627 en Sat, 11 Feb 2012 07:29:34 EDT Sat, 11 Feb 2012 07:29:34 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23295620 said by aaronwt:

said by bent:

said by c4junk:

You get 1 report per year from the 3 different agency's- but that is report only, if you want credit score you have to pay-usually $5 or at some sites sign up for some (not free) credit monitor service.
The only score that's worth paying anything for is from »www.myfico.com

Anything else is worthless.
You can pay $12 a month for credit monitoring that also gives you your FICO score anytime you want.

Also with credit monitoring you get emails anytime someone access your credit reports or there is any positve or negative info posted.
You can only get your FICO scores from myfico.com

Their monitoring service is $8.95 a month and only monitors Experian. »www.myfico.com/Products/ScoreWat···ion.aspx

Any other credit score is a "FakeO." Meaningless, worthless, and a waste of money.
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Greedy Old Pigs]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23295620 Thu, 05 Nov 2009 10:40:45 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23295500 said by bent:

said by c4junk:

You get 1 report per year from the 3 different agency's- but that is report only, if you want credit score you have to pay-usually $5 or at some sites sign up for some (not free) credit monitor service.
The only score that's worth paying anything for is from »www.myfico.com

Anything else is worthless.
You can pay $12 a month for credit monitoring that also gives you your FICO score anytime you want.

Also with credit monitoring you get emails anytime someone access your credit reports or there is any positve or negative info posted.]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23295500 Thu, 05 Nov 2009 10:22:29 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23294627 said by SLD:

I tried to get my free credit report from TransUnion, but it said that I already had an account with them. I tried my usual junk u/p combos, but no luck. Then it had a lost u/p function that refused to accept my SS# / Name combo. Looks like their scamming the system to me.
Just call the phone number listed at "www.annualcreditreport.com" and request them.

»www.annualcreditreport.com/cra/order?phone
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What’s the point of owning a supercar if you can’t scare yourself stupid from time to time?]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23294627 Thu, 05 Nov 2009 03:52:30 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23294203 http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23294203 Wed, 04 Nov 2009 23:55:20 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23293234
With Experian....all you have to do is click on the VIEW REPORT AGAIN, and it will show you the most recent report as of that day......

Of course, you would have to have an original report you obtained from www.annualcreditreport.com to be able to view it again.

I request my EXPERIAN credit report every week.]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23293234 Wed, 04 Nov 2009 20:49:03 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23293214
I have just found it faster to print out a 1 page form and mail it. We need to keep the USPS in business with my 4 stamps a year use. :D
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Darn, its gettin that time to go to Wallymart to gits me picture taken agin.
]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23293214 Wed, 04 Nov 2009 20:43:36 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292839 said by BoulderHill1:

Not hidden really. You just write them a letter and ask for the report.

I do this once a year or so for the last 20 years.
You can also call on the phone (one call gets all 3 reports) and get all 3 mailed to your home. No letters, no website forms to try to copy, but the printed reports in your hand usually in a week or two. I do it every Year.

»www.annualcreditreport.com/
quote:
Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.

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What’s the point of owning a supercar if you can’t scare yourself stupid from time to time?]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292839 Wed, 04 Nov 2009 19:44:40 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292713 said by hortnut:

I find I get my free reports just as fast online. I do not like to do it online, as they seem to ask more questions of you that I am sure will end up in their databases.
The credit reporting agencies already know far more about you that you would like. I didn't see any questions on annualcreditreport.com that the credit reporting agencies wouldn't already know the answers to.]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292713 Wed, 04 Nov 2009 19:22:35 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292488
»www.ftc.gov/freereports]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292488 Wed, 04 Nov 2009 18:46:59 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292233 said by c4junk:

You get 1 report per year from the 3 different agency's- but that is report only, if you want credit score you have to pay-usually $5 or at some sites sign up for some (not free) credit monitor service.
The only score that's worth paying anything for is from »www.myfico.com

Anything else is worthless.
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Greedy Old Pigs]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292233 Wed, 04 Nov 2009 17:57:00 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292185 said by J E F F:

Cost would be your envelope and stamp. I used an old fashioned facsimile machine.]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23292185 Wed, 04 Nov 2009 17:48:40 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291876
I find I get my free reports just as fast online. I do not like to do it online, as they seem to ask more questions of you that I am sure will end up in their databases.

»www.annualcreditreport.com/cra/order?mail

From that site, scroll down to this part:

" To Request your Credit Report by Mail:

1. Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
2. Print and complete the form
3. Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.""

Just make sure to shade in the 3 Agencies at the bottom.
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Darn, its gettin that time to go to Wallymart to gits me picture taken agin.
]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291876 Wed, 04 Nov 2009 16:51:13 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291300 said by Koil:

Remember, your credit report and your FICO score are two different things. FIXO score is not included on your credit report.
Using the annual credit report site listed above, I got my credit report and scores from the 3 main agencies. It takes a bit of doing since you are directed to the 3 different agencies and 3 different interfaces, but it's not too bad.]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291300 Wed, 04 Nov 2009 15:18:39 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291273 http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291273 Wed, 04 Nov 2009 15:14:56 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291019
I do this once a year or so for the last 20 years.]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23291019 Wed, 04 Nov 2009 14:34:00 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290882 http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290882 Wed, 04 Nov 2009 14:06:30 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290843 http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290843 Wed, 04 Nov 2009 13:58:58 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290382 www.ftc.gov/freereports

Since you can't get a report from that site - it is essentially free.
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Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290382 Wed, 04 Nov 2009 12:49:51 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290293 said by ccallana:

The one with the commercials, freecreditreport.com is not free.... ;)
freecreditreport.gov is]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290293 Wed, 04 Nov 2009 12:35:18 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290036 http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23290036 Wed, 04 Nov 2009 11:50:11 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289968 said by Rob:

»www.annualcreditreport.com/
This is the best one if you want to connect to all 3 agencies -

or you can go directly to each one.

The one with the commercials, freecreditreport.com is not free.... ;)
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"We are half-hearted creatures, fooling about with drink and sex and ambition when infinite joy is offered us.... We are far too easily pleased." C.S. Lewis]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289968 Wed, 04 Nov 2009 11:37:59 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289745
»lmgtfy.com/?q=free+annual+credit+report
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Lightning Bolt Technologies]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289745 Wed, 04 Nov 2009 11:03:07 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289645 http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289645 Wed, 04 Nov 2009 10:48:21 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289612 --
This message was composed using 100% post-consumer recycled electrons, please recycle responsibly. Composed and sent with Mac OS X... because windows sucks. Public PGP Key available. Opinions expressed are entirely my own.
]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289612 Wed, 04 Nov 2009 10:43:18 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289414 --
»www.ip-adress.com/ip_tracer/]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23289414 Wed, 04 Nov 2009 10:15:12 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23288760 www.annualcreditreport.com/]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23288760 Wed, 04 Nov 2009 07:32:42 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23288715 said by Ugly:

Please & thank you for what (I hope) is an easy answer. :)

Federal law requires major credit bureaus (all three or four of them) to provide consumers a FREE credit report yearly.

Thus, a smart bird who paces requests one per quarter will get 4 reports a year, one every three months or so.

Yet the bureaus have hidden this from the consumer to promote their paid services as an alternative.

• Does anyone know where or how this is done, please?

Then I will sitemark my thread to save your kind response.How do you figure?
-
the math:
3agencies, one report per year from each.
3x1=3, not 4.
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When I gez aju zavateh na nalechoo more new yonooz tonigh molinigh - Ken Lee]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23288715 Wed, 04 Nov 2009 07:06:19 EDT Re: [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23288640 www.ftc.gov/bcp/edu/pubs/consume···e34.shtm]]> http://www.dslreports.com/forum/Re-truly-free-credit-report-law-sez-so-but-where-How-23288640 Wed, 04 Nov 2009 06:19:48 EDT [truly free credit report] law sez so, but #%^* where? How? http://www.dslreports.com/forum/truly-free-credit-report-law-sez-so-but-where-How-23288627
Federal law requires major credit bureaus (all three or four of them) to provide consumers a FREE credit report yearly.

Thus, a smart bird who paces requests one per quarter will get 4 reports a year, one every three months or so.

Yet the bureaus have hidden this from the consumer to promote their paid services as an alternative.

• Does anyone know where or how this is done, please?

Then I will sitemark my thread to save your kind response. :)

Thank you!
Ugly
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Oh, I love the smell of fish. Guts, rotten, it's all good.]]> http://www.dslreports.com/forum/truly-free-credit-report-law-sez-so-but-where-How-23288627 Wed, 04 Nov 2009 06:15:59 EDT