Anyone ever used Free Credit Report ?
09-18-2011, 04:47 AM
#1
Retired
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Joined APC: Feb 2008
Position: whale wrangler
Posts: 3,527
Anyone ever used Free Credit Report ?
Some time back I linked on to this and went through the process like name, ss etc and then clicked on a credit agency and found out that getting the score is not free just the report ,has anyone else ran into this ?
Any idea as to why the score is not included in this ?
Ally
Any idea as to why the score is not included in this ?
Ally
09-18-2011, 08:08 AM
#3
Gets Weekends Off
Joined APC: Feb 2008
Position: Cessna 150
Posts: 655
Try Credit Score and Credit Check | Free Credit Score I have used it. There is a catch all sales pitch in there somewhere that says if you don't cancel your membership within X day/weeks/months you will automatically be billed for a full membership. Just find that caveat and make sure you cancel your membership.
09-18-2011, 02:31 PM
#5
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Joined APC: Sep 2010
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AnnualCreditReport.com is the government mandated site where you can get all three credit bureau reports for free, once a year. This site does not include the credit scores.
If you sign up for the free 30-day trial with one of the big three credit bureaus you do, if I remember correctly, get all three credit scores. But you have to call a toll-free number to cancel the account before the end of the 30-day trial or you get charged for another month's service.
The toll-free number appears to redirect to a call center in India and you really have to insist, many times, that your account be cancelled. "Hello, my name is Padma...".
If you sign up for the free 30-day trial with one of the big three credit bureaus you do, if I remember correctly, get all three credit scores. But you have to call a toll-free number to cancel the account before the end of the 30-day trial or you get charged for another month's service.
The toll-free number appears to redirect to a call center in India and you really have to insist, many times, that your account be cancelled. "Hello, my name is Padma...".
09-18-2011, 02:41 PM
#6
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Joined APC: Feb 2008
Position: whale wrangler
Posts: 3,527
AnnualCreditReport.com is the government mandated site where you can get all three credit bureau reports for free, once a year. This site does not include the credit scores.
If you sign up for the free 30-day trial with one of the big three credit bureaus you do, if I remember correctly, get all three credit scores. But you have to call a toll-free number to cancel the account before the end of the 30-day trial or you get charged for another month's service.
The toll-free number appears to redirect to a call center in India and you really have to insist, many times, that your account be cancelled. "Hello, my name is Padma...".
If you sign up for the free 30-day trial with one of the big three credit bureaus you do, if I remember correctly, get all three credit scores. But you have to call a toll-free number to cancel the account before the end of the 30-day trial or you get charged for another month's service.
The toll-free number appears to redirect to a call center in India and you really have to insist, many times, that your account be cancelled. "Hello, my name is Padma...".
Ally
09-22-2011, 10:30 PM
#7
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Joined APC: Mar 2011
Posts: 51
Don't apartment complexes, banks, and whoever check your credit score when you apply for residence or a loan? Can you obtain a copy of that report?
Not as immediate or convenient as a "free" credit score check, but definitely less risk.
Not as immediate or convenient as a "free" credit score check, but definitely less risk.
09-24-2011, 04:46 AM
#8
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Joined APC: Jan 2006
Position: Engines Turn Or People Swim
Posts: 40,041
I think you are only entitled to a free report if they deny you credit. If you're a regional pilot you could always go try to buy a mercedes just to get the free report.
09-24-2011, 04:48 AM
#9
Gets Weekends Off
Joined APC: Jul 2008
Position: G550 & CL300 PIC
Posts: 370
09-24-2011, 05:53 AM
#10
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Joined APC: Jan 2010
Posts: 327
AnnualCreditReport.com is what I use. As someone mentioned, you are entitled to your credit report once a year from the top three credit reporting agencies. And each one will charge you about 7 bucks for the score if you want that, too. Seems like for most people, a once a year check of your credit history should be enough to stay on top of things.
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