free credit report dot com??? has anyone used this site? what are the gimmicks?

Question

i wanted to see my score, but if its not really ganna be free or hassle-free then no

Answer 1

they ask for personal info and credit card data

say that first report is free but will need to charge for mebership to monitor credit history and remain member and will charge you after 30 days

this is the trick they hope you forget about canceling subscription before trial period ends( same trick a lot of trial memberships use, AOL is a big perp of this one, and make it very big ordeal to cancel such as signed letter sent snail mail etc. etc.)

Best way to get an official credit rating report is through an agency such as equifax you are entitled to one free per 12 month period, fees vary by state but most are under $12

You are entitled to one free report during any 12-month period no matter where you live, if you:

Are unemployed and intend to apply for employment in the next 60 days

Are on public welfare assistance
Believe your file contains inaccurate information due to fraud
You are also entitled to a free report if you have received notice of an adverse decision (such as denial of credit, insurance, or employment) within the past 60 days
To request a copy of your credit file from Equifax, please contact:

Equifax Information Services LLC
P.O. Box 740241 Atlanta, GA 30374
or call
800-685-1111
When requesting a credit report by mail, be sure to include your full name, current address, Social Security Number, and most recent former address for file-matching purposes. Also include a personal check made payable to Equifax Information Services LLC, based on the state rates above.

For immediate access to your online Equifax Credit Report™ Click here. A $10.00 service fee applies.

Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit report disclosure in a 12 month period. To request this free annual disclosure you must contact the Central Source. To contact the Central Source on-line, please click here to www.annualcreditreport.com. You can also contact the Central Source to request this free annual disclosure by calling toll free (877) FACTACT or by using the mail request form available at the central source website by clicking the following link www.annualcreditreport.com



check out the site for more details

Answer 2

You get your free report and your score and are signed up for monitoring service. They will ask for a credit card number and charge an annual or monthly fee, depending on the current offer.

Cancelling is a pain. You have to find the phone number, go thru the automated system to get the email addy to send the cancellation request. Sometimes you have to send the cancellation request more than once.

You can get a free copy of your credit report (one for each of the three bureaus) at:
https://www.annualcreditreport.com

For $6 or $8 you can purchase your credit score. That doesn't come with the free reports.

Answer 3

They want you to sign up for a year of credit monitoring service. As I remember it, you had to agree to a free trial to get your free report, but you have to remember to go back and cancel the free trial. I think they required a credit card to set up the free trial and get the free report.

If you are not expecting to borrow money soon, who cares what your credit score is?

Answer 4

freecreditreport dot com is an Experian website, and they are trying to sell Experian's 3 in 1 credit monitoring service. I've not heard good things about it, and I use TransUnion's TrueCredit.

As others have said, use annualcreditreport.com as it's truly free once every 12 months.

Answer 5

You have to sign up for a free trial for something.

If you want you free credit report, http://www.AnnualCreditReport.com.

If you want your score for free, ask your bank or credit card company. Washington Mutual offers it for free anytime you want it.

Answer 6

Freecreditreport.com allows you to see your credit report free but, your score is not included.

Answer 7

Go to annualcreditreport.com It is FREE. Never give your debit or credit card to those services! Good luck!