Bobby_Peru
Premium
join:2003-06-16
3 edits | reply to mrgeek
Re: Potential Security Issues?
Big 3 Credit Report Site |
 ! As B already noted, it would be great if you would post the source - a quick Google/Google-news just now was not productive.
said by AnnualCreditReport.com:
Eligibility for an annual free credit report is determined by your state of residence based on the rollout schedule set by federal law. The site's main page is live now - »https://www.annualcreditreport.com
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B
Premium,MVM
join:2000-10-28
3 edits | I'm just a little suspicious.
Each of the Big 3 charges $30 to $40 for the SAME service right now, and would not be inclined to give it away unless mandated.
(Edit: I guess they were mandated -- something called the "Fair and Accurate Credit Transactions Act (FACT Act)".)
Perhaps this is merely a competitor to FreeCreditReport.com ?
Perhaps a scam? (Edit: guess not.)
Edit: Yahoo press release: »biz.yahoo.com/prnews/041123/cltu020_1.html
Experian PDF: »www.experian.com/whitepapers/FAC···sked.pdf
Other info: »www.google.com/search?hl=en&lr=&···2Bcom%22
-- B
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In a realm outside causality and function |
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Bobby_Peru
Premium
join:2003-06-16
| Probably compliance with Fed Law forcing this, which they might just figure out a way to turn profitable through data mining, and or ads?
Interestingly, the site won't let me on through the above link, in FF.
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B
Premium,MVM
join:2000-10-28
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Hilarious. Keep trying though. I get "For security purposes, www.AnnualCreditReport.com cannot be accessed from the referring website." in Mozilla 1.7, but then a refresh works just fine.
I think for a change this isn't browser-specific, but that they're telling the truth -- they don't like displaying the https secure page when referred from a different site. Makes sense.
-- B
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In a realm outside causality and function |
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SnowyOne
Premium
join:2003-04-05
Kailua, HI
 ·RoadRunner Cable
 ·Clearwire Wireless
1 edit | reply to Bobby_Peru
Try this link
»https://www.annualcreditreport.com/
Any "security" concern I'd have with this site would be focused more on the integrity of the machine accessing the site rather than the site itself.
edit typing the address into the address bar works here.
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Dave said "By the way, 4294967295 is just another way to write -1".
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B
Premium,MVM
join:2000-10-28
1 edit | The problem is that you guys are cutting and pasting after you've arrived at the site and ALREADY been transferred from the unencrypted (http) page to the https page.
What you need to post is THIS link: »www.annualcreditreport.com
That should work without any complaints.
(Edit: Crud. It didn't work, although my link IS properly without https. But it just continues to transparently auto-refer. Drat.)
And yes, I suppose this phenomenon will cause confusion for others posting links to the site -- they should probably skip the referrer check on the first page!
-- B
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In a realm outside causality and function |
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Mele20
Premium
join:2001-06-05
Hilo, HI
| reply to Bobby_Peru
said by Bobby_Peru :Probably compliance with Fed Law forcing this, which they might just figure out a way to turn profitable through data mining, and or ads? Interestingly, the site won't let me on through the above link, in FF. You can't go there by a link for security purposes which is good! I got the following error when I tried:
"For security purposes, www.AnnualCreditReport.com cannot be accessed from the referring website."
You MUST manually type in the url in the address bar. When I did that, I had no problems getting to the main page of the site via Firefox.
I'm glad top know the site is already up. I have been waiting for December 1 so I can order my report. My mom wants hers but she is in Arkansas and that state will not be eligible until July. This is mandated by Congress and has taken over a year to become reality and even so the rollout is gradual as you can see from the map. Each person will be allowed ONE report PER YEAR FREE from each of the THREE credit bureaus and the reports can be ordered from the website or from calling any of the three credit bureaus. You will get all three reports with just one phone call or one request from the website. The credit bureaus have said almost nothing about this except for Experian which, to its credit, has had this information on its main web page since June and has this column about the FACT act:
Ask Max credit advice
Our most recent column
Select a topic from our most recent column – July 14, 2004
* Update on the FACT Act implementation
* Experian sponsors National Fraud Awareness Week
Update on the FACT Act implementation
"Dear Readers,
In January I provided a summary of the new Fair and Accurate Credit Transactions Act (FACT Act) and what Experian knew then about the law. Since that time, significant progress has been made. Here's an update.
When I wrote the January column the Federal Trade Commission (FTC) and other regulators were tasked with making decisions about how some aspects of the new law would be implemented. Perhaps the most notable is how you will be able to get a free credit report every 12 months from the national credit reporting agencies.
The FACT Act required that the national credit reporting agencies establish a centralized source through which you will request the free reports. The FTC was given six months to create the rules for the centralized source. Those rules were announced in June.
Experian and the other national credit reporting agencies are now working to put the centralized source in place.
One of our greatest concerns was that if everyone asks for their reports at the same time it would not only delay delivery of the free reports, it could impact our ability to provide service to people who need critical assistance, such as fraud victims.
To address that concern, the FTC established a plan to roll-out free report access by regions beginning Dec. 1, 2004. The chart below illustrates the regions and the dates free reports will become available.
FACT Act rollout graphic
You will be able to request free reports by telephone, in writing, or online. You also will be able to request reports from all three national credit reporting agencies at the same time, or one at a time.
The national credit reporting agencies are working together to finalize the details of the system, including a telephone number, mailing address and Internet address.
In addition to your free report, you will be able to request a credit score for a reasonable fee. Like other details of the system, that fee is still being determined by the FTC.
The credit score will include a description of the factors from your credit report that most impacted it. Knowing the factors will help you take steps to become more creditworthy and improve your credit scores.
Experian has added information about the FACT Act to its homepage, www.experian.com. You will find a link in the lower right corner in the Consumer Alerts section. The information will be updated as more details become available.
Thanks for reading."
»www.experian.com/consumer/index.html#
This is a popup window see bottom right column under Consumer Alerts: The FACT Act
I was thinking of doing this online but I am not giving my Social Security number online. I will wait a bit and then call for mine.
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The first and foremost function of our jurors is to protect private citizens from a tyrannical and intrusive government...Jurors are the last line of defense for liberty. Thomas Jefferson 1789 |
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wwdubbia
join:2002-06-03
Clinton, NY | reply to B
You were always entitled to a free annual credit report, or a free report if you were denied credit.
A great site where they will probably be discussing this is: »www.creditboards.com |
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B
Premium,MVM
join:2000-10-28
| said by wwdubbia :You were always entitled to a free annual credit report No, I wasn't.
-- B
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In a realm outside causality and function |
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kayajer
@honeywell.com |  You were always entitled to a free annual credit report
only in certain states- only 1 FREE one a year!!
I beleive that it will be the same at this site as well! |
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B
Premium,MVM
join:2000-10-28
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Yes, "only in certain states".
Again, I was NOT "always entitled" to such a report before. Sheesh.
The whole point is that this is a tri-bureau report that will eventually be available to everyone. They've managed to roll it out slowly so as to get away with another year of charging for the things in half the states.
So no, ultimately it will not be the "same at this site as well".
-- B
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In a realm outside causality and function |
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