Free Credit Report

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Bigted

Bigted

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Feb 4, 2006
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No this isn't a commercial. Just a reminder that in the U.S. the credit rating agencies are required to let you have one free credit report per year--no strings attached. Here is the website to get them. I would HIGHLY RECOMMEND that every person get one every year, just to make sure nothing weird is happening.

https://www.annualcreditreport.com/cra/index.jsp
 
Thanks Ted. Use this EVERY year, as my father and I have the same name - only the suffix different. Those three reporting agencies should be ashamed of themselves - given the CONSTANT list of errors I find on my credit reports each year.

Local legislators have been ZERO help, and I have let them know it! Only ONE - a recently elected State Sen. - has responded to my letters. At least he is aware of the issue, and does want to sit down with me. I have not had time in the past month, but will be doing so soon!

- H.


BTW - that free credit report dot com is not so free. You have to enroll in a credit watch program... been there, done that and it' ain't FREE! Nifty commercials, crappy company.
 
PhillyPhlorist said:
Thanks Ted. Use this EVERY year, as my father and I have the same name - only the suffix different. Those three reporting agencies should be ashamed of themselves - given the CONSTANT list of errors I find on my credit reports each year.

Local legislators have been ZERO help, and I have let them know it! Only ONE - a recently elected State Sen. - has responded to my letters. At least he is aware of the issue, and does want to sit down with me. I have not had time in the past month, but will be doing so soon!

- H.


BTW - that free credit report dot com is not so free. You have to enroll in a credit watch program... been there, done that and it' ain't FREE! Nifty commercials, crappy company.
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The Credit Score program is not being used as it was intended by the person who developed it. And somewhere I heard he was trying to get back into the stream so the abuses could be corrected.

The Free Credit Card program is a major revenue source for the 3 agencies. And how can a free program be a revenue source. How can they advertise so much on a "free" program.

The more often you check your credit score, it drives down your score. And they have ads with a couple sitting on a sofa telling how they check their credit score every week.

There should be a way for small business to be successful in ripping consumers off. IT IS NOT FUN ANYMORE.
 
PhillyPhlorist said:
Financials, etc. checking you score DOES. ANYTIME it's accessed by anyone other than the owner, the score takes a hit.

- h.
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Actually Herb, (and just because I love to argue) the site says that there are two kinds of credit searches. One is that you initiate, or know about. That is when you apply for a loan or do something and the company checks your credit. But, there is a second kind that you won't know about. Those are like when a company wants to send you one of those unsolicited credit card offers. Those, supposedly, don't count against you.

Frankly, I was amazed at all the stuff going on with my credit report. Fortunately, there were no problems.
 
Bigted said:
Actually Herb, (and just because I love to argue) the site says that there are two kinds of credit searches. One is that you initiate, or know about. That is when you apply for a loan or do something and the company checks your credit. But, there is a second kind that you won't know about. Those are like when a company wants to send you one of those unsolicited credit card offers. Those, supposedly, don't count against you.

Frankly, I was amazed at all the stuff going on with my credit report. Fortunately, there were no problems.
Click to expand...

No argument here! You are totally correct. The unsolicited ones - which I forgot about - are inquiries that don't count against you.

My experience goes WAY back with those reporting agencies. Let's just say that when I was denied my first car loan at the age of 21, because I had too much credit out there, did it for me. I had one credit card, with a $7k limit. That I knew of. Turns out, they had cards that belonged to my FATHER on my credit report. One, was a Strawbridge's Department Store card, opened in 1965. I wasn't born until 1968. I actually HAD to prove to them that it wasn't my card. Idiots.

- H.
 
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