for a free credit report for whatever 30 days or the small print is. Is it smart to get this a few times in 30 days then cancel the service? Does this hurt your credit rating? We have great credit but we have not looked at it in over a year so I want to make sure we are still in the excellent credit "zone". Thanks!!!
2006-07-28 14:49:34 · 10 answers · asked by MaryJaneD 5 in Business & Finance ➔ Credit
You get a free yearly credit report from www.annualcreditreport.com NO credit card required!!!! No small print.
2006-07-28 14:52:50 · answer #1 · answered by curthauer 2 · 1⤊ 1⤋
You really should check your credit report at least once a year even if you have great credit. http://www.freecreditreport.com/ is the URL where you get the govt-mandated free reports. You are entitled to a report from all 3 reporting agencies once a year.
But what I chose to do is stagger my requests so that I can get a report every 4 months or so. If you get report A and there is nothing bad on it, why waste the other 2 reports.
2006-07-28 14:56:31 · answer #2 · answered by snvffy 7 · 0⤊ 0⤋
It doesn't hurt your credit but they will still ask for a credit card and you will end up charged for a service of some kind, either magazines you never wanted or a credit protection service.
Do yourself a favor and contact the credit bureaus directly, you can get 1 free report from each one per year.
The big three are:
Transunion
Equifax
Experian
2006-07-28 14:53:30 · answer #3 · answered by Sara 6 · 0⤊ 0⤋
If you check your credit you should only do so once a year. Usually if you check on your own annualy it is discarded and then will not effect your score. A Free Credit Report online can be good, but you just need to make sure you aren't signing yourself up for a program you may not want/need. Make sure if it's something you need to cancel you do so in the alloted time given.
2006-07-28 15:18:21 · answer #4 · answered by ShouldBeWorking 6 · 0⤊ 0⤋
I got this "free" credit report and they have been charging me 24$ every month. Remember, nothing is free.
2006-07-28 14:52:26 · answer #5 · answered by babydollbeauty 2 · 0⤊ 0⤋
take adcantavge of a free credit report each yr and note problems right away
2006-07-28 14:52:17 · answer #6 · answered by Rock_N_Roll_Chicky 5 · 0⤊ 0⤋
www.AnnualCreditreport.com. all 3 for each year. you can pull down 1 per 4 month.
january-march-april==>>pull Transunion
may-june-july-august>>>>pull Experince
sep-december>>>pull equifax
So you could rotate next year, No charge. why waste your money for nothing.
Free credit score:go to www.providian.com apply for credit card, they give you updates of your credit score every month
2006-07-28 19:12:40 · answer #7 · answered by Hoa N 6 · 0⤊ 0⤋
do not use that. if you want a free credit report go to annualfreecreditreport.com
2006-07-28 14:53:12 · answer #8 · answered by c_aldridge57 2 · 0⤊ 0⤋
Annualcreditreport.com is the only one that will not charge you. You will not get a free credit score though from anywhere.
2006-07-28 14:57:51 · answer #9 · answered by Anonymous · 0⤊ 0⤋
once ayear or when you areready tobuy a house. 3's a month istoo much.
2006-07-28 14:56:59 · answer #10 · answered by Anonymous · 0⤊ 0⤋