2006-10-21 05:00:36 · 11 answers · asked by Desperate 1 in Business & Finance ➔ Personal Finance
GREETINGS!
You are entitled to one free report each year. Go to www.experian.com
Good Luck
2006-10-21 05:02:25 · answer #1 · answered by Anonymous · 0⤊ 0⤋
There are some places that will provide you with all three credit reports for $19.95. However, before you go pay for it, how about getting it for free? :D
If you are recently unemployed, you can get a free credit report.
Two... If you have been denied credit you can request a free credit report within 30-60 days.
If you don't qualify for the freebie, at least you won't be pestered to join something, then later forget you did join and end up figuring that you've been paying $19.95 a month for 6 months without a clue. ;)
You can go directly to the credit reporting agencies online or call if you qualify. If you don't qualify for the freebie, you can buy a report.
This is why I would rather give you the phone information. You don't have to jump through their online hoops. Just give each one a call and they will tell you how to obtain the free report on the phone.
Experian
NCAC
PO Box 9556
Allen TX 75013
888-397-3742
Equifax Information Services
P O BOX 740256
Atlanta, GA 30374
800-997-2493
TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000
800-888-4213
2006-10-23 09:39:20 · answer #2 · answered by Cheerios 1 · 0⤊ 0⤋
AnnualCreditReport.com was set up by the big three credit reporting agencies in the United States(Equifax, Experian and TransUnion), to furnish free annual credit reports, as required by federal law. Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so.
I suggest your credit report from only on of the reporting agencies, then 4 months later, check a different agency, then 4 months later, check the last one. So you'll be able to get a continues 4 month look at what might be appearing on your credit report.
And remember, its absolutely free with no subscriptions or cost. You can pay extra for scores, but you don't have to.
2006-10-23 05:41:32 · answer #3 · answered by JazzMoney 5 · 0⤊ 0⤋
There are several sites that offer a free credit report. Here is one that I use. You can get a report from each company once a year for free.
https://www.annualcreditreport.com/cra/index.jsp
2006-10-21 05:03:02 · answer #4 · answered by eka77_95 2 · 0⤊ 0⤋
dalton.....BOO!
In 2003 the government mandated that the 3 credit reporting agencies give out free credit reports each year. These agencies set up a site at http://www.annualcreditreport.com that is secure, free to use, and has no gimmicks (unlike freecreditreport.com...please don't go there).
If you are like dalton and are far too paranoid, then you can still go to this site and get the address/phone number so you can order them that way.
....going to a car dealer to get your report is more secure????? BOO!
2006-10-21 14:39:41 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You may view your credit report once per year for free.
2006-10-21 05:02:26 · answer #6 · answered by Anonymous · 0⤊ 0⤋
I would google it to find the names/address of the three major reporting bureaus. You can get one free report from each bureau yearly free. You need all three cause the info may be different
2006-10-21 05:03:18 · answer #7 · answered by dulcrayon 6 · 0⤊ 0⤋
You can get one free from each credit reporting agency per year I believe.
Or, you can order them from www.experian.com, www.transunion.com, and www.equifax.com. Remember, all three of these agencies are used by different lenders, so you'll have to get all three reports since each one can contain different informaiton.
2006-10-21 05:03:32 · answer #8 · answered by dorifto 2 · 0⤊ 0⤋
go to www.freecreditreport.com and you are entitled to one free credit report per year.........and you will get a report from all three credit bureaus.......Experian, Union and the other one. hope this helps.
2006-10-21 05:09:55 · answer #9 · answered by carolsand10 2 · 0⤊ 0⤋
DO NOT DO IT OVER THE INTERNET!!!!!!!!!!!
THEY ARE TRYING TO HARVEST INFORMATION.
IF YOU DO IT OVER THE NET, YOU WILL GRANT THEM PERMISSION TO ACCESS YOUR PRIVATE DATA, AND THEY WILL REQUEST YOUR SSN.
MY FRIEND IS AN IDENTITY THEFT VICTIM BECAUSE F A SUCH SCAM.
Just walk into a car dealership and pretend you want to buy a car. they will pull your credit for you
or talk to a credit union. if you are a member, they will do it for free- just open an account.
otherwise, they will charge you like $15
2006-10-21 05:09:49 · answer #10 · answered by Anonymous · 0⤊ 0⤋