It seems like there was a time when you did an expose'(I know that's not the proper puntuation) on credit reports but can't find it. Probably many years ago !! I do know that not all "free" credit reports are really free so don't want to open myself to something I don't want. What's the best "free" credit report? Thank you, Brenda
Colorado_Kid said
09:03 PM Jan 12, 2011
I have only used creditreport.com and I am happy with it but can't say how it compares to others.
2riker2go said
04:38 AM Jan 13, 2011
If you go to www.annualcreditreport.com, that is the official site that links to the three credit reporting bureaus (equifax, transunion and experian). From there you can choose whether you want to get your credit report from one bureau, or from all three. There is no charge for your credit report, but if you want to get your credit score, they do charge for that. Also if you go to the credit bureau's website, there are products you can buy (of course!) - credit watch programs etc.
Readytogo said
06:00 AM Jan 13, 2011
You can get 1 free report a year from each (equifax, transunion and experian). You can get them all at once or spread them out throughout the year.
Howard said
07:43 AM Jan 13, 2011
Hi Brenda,
Here is an excerpt from a Journal entry I did on the subject:
Credit Reports
As I do every four months, I got our free credit reports from one of the three credit reporting services just to make sure there hasn't been any identity theft or bogus credit applications. I've been over this many times, but what the heck. :)
AnnualCreditReport.com is the "official" website where you can get free credit reports. You are entitled to one free credit report each year from each of the credit agencies - TransUnion, Equifax, & Experian.
In order to check the reports more frequently, we stagger our requests and order reports from different agencies every four months. That way, we can identify any funny business faster as credit applications and inquiries will usually (but not always) appear on all three reports.
Hope that's what you were looking for.
hogans1947 said
08:53 AM Jan 13, 2011
Exactly what we want. Thank you to everyone for your quick response. What a team !!!!!
Tim & Robyn said
12:55 PM Jan 13, 2011
What Howard said... just be careful what you click on when you go to a site from annualcreditreport.com... they throw up a lot stuff that will cost you money if you aren't careful... all you want is the free credit report, and I do it every 4 months in alphabetical order by name just to make sure I don't wind up having to pay anybody anything.
Thank you, Brenda
Here is an excerpt from a Journal entry I did on the subject:
Credit Reports
As I do every four months, I got our free credit reports from one of the three credit reporting services just to make sure there hasn't been any identity theft or bogus credit applications. I've been over this many times, but what the heck. :)
AnnualCreditReport.com is the "official" website where you can get free credit reports. You are entitled to one free credit report each year from each of the credit agencies - TransUnion, Equifax, & Experian.
In order to check the reports more frequently, we stagger our requests and order reports from different agencies every four months. That way, we can identify any funny business faster as credit applications and inquiries will usually (but not always) appear on all three reports.
Hope that's what you were looking for.
What a team !!!!!