ok, hello again.. so i tried getting my free credit report but..this is the thing i had gotten one from all 3 agency and they only allow u to do it once a year..so i'm not entittle to to another free credit report..does any1 know of another site that will give u a free credit reort totally free..?
2007-02-27 10:32:30 · 5 answers · asked by newlove 1 in Business & Finance ➔ Credit
There are no other sites. The other sites give you a "free" report, but you must sign up for a credit monitoring program that costs a lot of money.
The only reason you can get your 3 free reports per year is because of a recently passed law called the FACTACT. Credit bureaus make a lot of money selling this information - they only give it out for free when they have to by law.
2007-02-27 10:37:11 · answer #1 · answered by Matt K 4 · 0⤊ 0⤋
There's no other completely free site. If you've already received your once-per-year free credit report from all 3 credit reporting agencies (CRAs), a way to get another free report is to dispute it. Be ethical, that is, make sure you have a legitimate reason to dispute the information on the credit report. By law, if you have a legitimate dispute, the CRA must resolve your dispute in 30 days and send you another report. You can go through the online dispute process with the CRA (the web address is toward the end of the credit report). When an email arrives from the CRA saying that it has answered your dispute, click the link in the email, and you'll see the new report.
2007-02-27 11:03:54 · answer #2 · answered by VT 5 · 0⤊ 0⤋
You are also entitled to a free copy if you were denied credit, if you live in a "free" state (Me, Ma, Md, Ga, NJ, Co, Vt), if you are unemployed and seeking employment or on social assistance, although none of these is available for free online. You would have to request the report be mailed to you.
Also, if you dispute anything on your credit report, you are mailed an updated copy along with your results. These are all ways to get a free copy through the mail. Other than the Annual Free copy, there is no way to get a truly free copy online.
2007-02-27 13:00:46 · answer #3 · answered by RedSoxFan 4 · 0⤊ 0⤋
Based on your description, I'm sure you figured this out already....
What I do is get a free credit report - one from each of the agencies - every 4 months. That way I get no more than 1 per year from each individual agency.
I'm afraid you are out of luck unless you go to one of those credit monitoring agencies. They may give you a free one, but you'd have to sign up for their service which costs you $$$.
2007-02-27 10:46:11 · answer #4 · answered by CG 6 · 0⤊ 0⤋
I Did happen to find this site online www.annualcreditreport.com/ it might be able to help you,
also for all those trying to make some moolah check out http://www.yournewfortune.com/?id=DanT2184
I was skeptical at first but it is actually bringing in 50 - 100 a week so far and for only $14.95 it seems it was worth it
2007-02-27 10:44:24 · answer #5 · answered by CadillacJack 2 · 0⤊ 1⤋