are credit reports free?

Answer 1

no, you have to pay for them sooner or later

Answer 2

First and foremost, avoid going to any websites. A lot of these websites will gove you a report only after you sign up for their credit monitoring services. Go directly to www.equifax.com, www.transunion.com and www.experion.com. Get the contact numbers via their website and call them regarding the state your in and if you qualify for a free credit report. Depending on your state, you would qualify for a free report from each of the credit bureaus per calendar year. Order all three immediatly because not all companies report to all three. You could have a loan discharged as a payoff on Experion, but still listed with a balance on another report. Then every three months, pay the $15 and order a report directly from one of the credit bureaus. This way, you can keep a constant monitoring of your credit. You could pay $45 every three months, but most of the reports will have the same information. Most companies report to two credit bureaus, so ordering all three every 3-6 months might be too redundant and a small waste of money. Then, this time next year, call each bureau and get your one-free-per-calendar-year report from each of them and make sure they are all in line. Ordering all three right away will give you an opportunity to make sure they are all good and give you ample time to begin any dispute processes if needed. Since it takes an average of 45 days for any actions to actually reflect onto your credit report, it is best to order them on a quarterly basis. Sometimes it can take as long as 60 days for any actions to show on the reports. If you're that concerned order all three now, and if there is any disputes or issues you need to address, pay the $15 for each and order all three again in 3-months. 90 days is plenty of time for any disputes you initiated to reflect on the report. Ordering all three after 90 days will allow you to make sure everything you sent in is being reported and then you can begin the one report every quarter process from there. Don't get TOO excited if you order a second set of reports after 90 days and notice items missing from the second set of reports. When a dispute is filed, the bureaus must take the item off your report and send notification to the disputed compay for update. It may be off your report becasue the request is out and the company just hasn't responded yet. If the company re-reports wrong information, you can send a copy of all the proof-of-payoff/discharge information to the credit bureaus and they will go after the company themselves. If the company doesn't report after 30 days of the bureau's request, the item will not be placed back onto your report. Beware that the company might sell it to a collection agency and the agency may make some attept to bring the debt back to life. You can fight that as well.

Answer 3

the credit reports are from the big 3 - once a year.
equifax
experion and i forget the other one
but your CREDIT SCORE is what they want to charge you for.
which is different than your credit report.
Just get the free reports first. You don't really need the score.
Fix up anything that is wrong.

Answer 4

You are entitled to one credit report free from any of the three major credit corporations a year.

Answer 5

Depends on which State you live in (USA) - in some States there is a law about the one free per year, others there is not. In all States, however, you are entitled to a free credit report if you have had an "issue" such as someone stole your ID or you lost your wallet/purse, etc.

Answer 6

Not always. When I went to the free credit report website, through the government, 2 of the 3 agencies said they were "unable to process the request online." They wanted me to go through some long, drawn-out paperwork process.

And like the other person said, you have to pay for your credit score. It's a bunch of crap, if you ask me. What good is the report if you don't know the score?

Answer 7

You could find free ones, but beware. Every time you check your credit report it goes down a couple points.

Answer 8

yes. Go on-line and you can view your own credit report. Try googleing it.

Answer 9

Yes, please go to "annualcreditreport.com" and you an receive all three credit reports for free one time every year.

Answer 10

you can get one free one a year from 3 major bureaus go to annualcreditreport.com

Answer 11

no dont fall for all the BS. you can get one a year for free with freecreditreport.com