I was told that everyone can get there free credit report and credit score without having to enter a credit card # or anything. is this true ? and where can I get it at ?
2006-10-30 18:51:04 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
There are no personal credit reports offered online that are easy to order and provide all the information you need.
Even the free reports offered on the new federally mandated website (sponsored by the three national credit reporting agencies) are a lot less useful than they could be.
Reasons Free Online Credit Reports Stink
•The authentication process. The process is so cumbersome, time-consuming, and frustrating—any person who values their time would quickly abandon the process.
•The security questions are a pain. To answer your questions you must have: (1) all your credit statements in front of you; (2) all your previous addresses in front of you; or (3) a recent copy of your credit reports handy.
•The information is created for lenders, not consumers—which means there is critical information that you're NOT SEEING. These reports don't include complete account numbers or all your credit inquiries, among other things.
•You have to navigate through numerous sales pitches for products and services you don't need.
•Just one free online credit report can total more than 50 pages.
Even though federal law now says the credit reporting agencies must provide credit reports free, it says nothing about making them comprehensive or easy to get. The credit reporting agencies are now using these free credit reports as bait to quickly switch you into purchasing overpriced, and often useless credit services.
Your best bet is to order by mail. Download this form:
http://www.lifeafterbankruptcy.com/links/creditreportrequest.pdf
Complete it and send to this address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, Georgia 30348-5281
It will take a few weeks for you to receive your free personal credit reports via U.S. mail, but you will invest only a few minutes of your time and it will be a lot less frustrating.
2006-11-02 06:07:33 · answer #1 · answered by Brian H 2 · 0⤊ 0⤋
you will get authorized with out credit, yet you will get raped on activity expenses. Debit card won't help. Get a mastercard, make the month-to-month money in finished if in any respect conceivable and shop a low debt to credit ratio. Get a discern to co-sign your first vehicle very own loan. That way you are able to start to construct your credit with out the 20-30% activity fee.
2016-12-28 08:40:35 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Please visit
http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm
visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
2006-10-30 18:54:33 · answer #3 · answered by Rahul 2 · 0⤊ 0⤋
Annualcreditreport.com will give you your free credit report.
However, you have to pay to get your credit score.
2006-10-30 18:58:52 · answer #4 · answered by Anonymous · 0⤊ 0⤋
yes you can go to www.annualcreditreport.com
2006-10-30 18:53:33 · answer #5 · answered by LYRICSORUS 2 · 1⤊ 0⤋
www.annualcreditreport.com
2006-10-31 13:36:59 · answer #6 · answered by Mariposa 7 · 0⤊ 0⤋