i need to find out what is on my credit report and i dont have the cash to pay for it.
2007-07-04 16:58:26 · 7 answers · asked by Jim 1 in Business & Finance ➔ Credit
The government has created a program which allows each individual to request their own credits reports 100% free of charge from this website ...
https://www.annualcreditreport.com/cra/index.jsp
You are allowed to get one report from each of the 3 agencies every 12 months. Good luck.
2007-07-04 17:05:41 · answer #1 · answered by Troy Colts Rock 3 · 1⤊ 1⤋
The US Government has mandated that the three major credit bureaus offer the service to everyone in the United States once each year. The name of this site is www.annualcreditreport.com.
Since it is government mandated it requires a whole host of hoops to jump through. You do not actually get your credit scores, and it can take 7-10 days to receive the information. All in all not very consumer friendly. Guess that is what happens when a big company is required to do something they do not want to do.
Here is how I got my Credit Report and Score from all 3 bureaus for free.
I went to http://faqfaq.net/FreeCreditReport.html and signed up for their service.
It took like 3 minutes! They give you 7 Days for Free to try the service.
So I just canceled the next day after printing out everything I needed.
Easy and Free.
2007-07-05 08:36:20 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Oh, that would be www.annualcreditreport.com. Click on your state, get report, choose which of the 3 big credit reporting agencies, download (print out) your report, you can challenge errors made on the net, by phone or letter. Of course, you can request the report by phone or letter, but web is quickest and easiest.
If you want to know your credit score, you will have to pay, about $7.95 or so. You can also order a report that compares your credit worthiness to others in your area.
2007-07-05 00:13:38 · answer #3 · answered by Nothingusefullearnedinschool 7 · 0⤊ 1⤋
One or more of the three major credit bureaus are required to give you one free report per year. Or, spend the $8 and buy it.
2007-07-05 00:05:53 · answer #4 · answered by David L 6 · 0⤊ 2⤋
Go to experian, trans union, and equifax. You get a free credit report once a year from each of these.....go to www.freecreditreport.com
2007-07-05 00:07:17 · answer #5 · answered by Jay Lew 3 · 0⤊ 1⤋
the government sponsors one. go to annual credit report, and look for the free one from the government
2007-07-05 00:02:07 · answer #6 · answered by Dfire 3 · 1⤊ 1⤋
www.freecreditreport.com!
2007-07-05 00:08:53 · answer #7 · answered by Karolina B 2 · 0⤊ 2⤋