Navigation
  #1  
Old 04-18-2006, 10:56 AM
oh2benc2's Avatar
oh2benc2 oh2benc2 is offline
Member
 
Join Date: Mar 2006
Location: Virginia
Posts: 290
Credits: 3,341
Default How to get free credit report

Is there any websiter you can get a free credit report with all three companies and your credit score without having to use a credit card? I have one credit card my check card from the bank and I don't want to use it for this. Is there any free and I mean free credit reports you can get on the web without credit cards?
Reply With Quote Quick reply to this message
  #2  
Old 04-18-2006, 12:56 PM
dmj210 dmj210 is offline
Member
 
Join Date: Mar 2006
Posts: 124
Credits: 2,832
Default

The only place to get a truly free (no other obligations) credit report is throught http://www.annualcreditreport.com However, you cannot get a free score from there, you must still purchase it.
Reply With Quote Quick reply to this message
  #3  
Old 04-18-2006, 01:11 PM
Kathryn Kathryn is offline
Junior Member
 
Join Date: Jul 2005
Posts: 96
Credits: 2,469
Default

Doesn't it ask you to sign up for a service, which you can cancel at any time, to get the free report?
__________________
LOVE WHO YOU ARE.
Look in the mirror in the morning and smile and say "I am too blessed to be stressed!"
Reply With Quote Quick reply to this message
  #4  
Old 04-18-2006, 01:25 PM
Jessi's Avatar
Jessi Jessi is offline
Senior Member
 
Join Date: Dec 2005
Posts: 3,462
Credits: 21,063
Default

ohbenc...Those with the "sign up for this service, no obligation" things have a habit of "accidentally" forgetting to cancel your account then you end up in some program that charges $20 a month or so.

Read all the fine print, and be careful.

You can purchase your score from Equifax for less than $10...And you can do it by mail if you don't want to put it on your card.
Reply With Quote Quick reply to this message
  #5  
Old 04-18-2006, 02:02 PM
dmj210 dmj210 is offline
Member
 
Join Date: Mar 2006
Posts: 124
Credits: 2,832
Default

Kathryn, I'm not sure if your question was addressed to me. If it was, the answer is no. Annualcreditreport.com is the website that was mandated by the FTC. It was set up for the three major credit bureaus to comply with the law which went into effect in 2005, allowing consumers one free credit report per year from each and every credit reporting agency.
Reply With Quote Quick reply to this message
  #6  
Old 04-18-2006, 02:23 PM
Kathryn Kathryn is offline
Junior Member
 
Join Date: Jul 2005
Posts: 96
Credits: 2,469
Default

dmj210
It was to you and thanks for clearing that up. I looked at one site that wanted a credit card number for a membership, which you could cancel at any time, to get the report. I was not sure which one it was.
__________________
LOVE WHO YOU ARE.
Look in the mirror in the morning and smile and say "I am too blessed to be stressed!"
Reply With Quote Quick reply to this message
  #7  
Old 04-18-2006, 02:36 PM
Jessi's Avatar
Jessi Jessi is offline
Senior Member
 
Join Date: Dec 2005
Posts: 3,462
Credits: 21,063
Default

There are a lot, Katherine, that you have to sign up for a membership.

Annualcreditreport. com does not charge for their service unless you want to purchase a SCORE...That is not included in the yearly report.
Reply With Quote Quick reply to this message
  #8  
Old 04-18-2006, 03:33 PM
oh2benc2's Avatar
oh2benc2 oh2benc2 is offline
Member
 
Join Date: Mar 2006
Location: Virginia
Posts: 290
Credits: 3,341
Default

I just don't understand why you have to purchase your OWN credit score - I did a couple of these long ago with membership. I did experian report and there is a discrepency(Spell?) that they that when we (mynow deceased husband and I went bankrupt) that we put our house on it we did not, if we did I wouldn't still be living in it would I? How do I dispute this or does this really matter - because I am making my mortgage payments monthly on it. Any suggestions appreciated. AND there isn't any place to get a free credit score?
Reply With Quote Quick reply to this message
  #9  
Old 04-18-2006, 05:32 PM
Jessi's Avatar
Jessi Jessi is offline
Senior Member
 
Join Date: Dec 2005
Posts: 3,462
Credits: 21,063
Default

Not without signing up for some program.
Reply With Quote Quick reply to this message
Reply

Quick Reply
Name:
Message:
Remove Text Formatting
Bold
Italic
Underline

Insert Image
Wrap [QUOTE] tags around selected text
 
Decrease Size
Increase Size
Options

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -8. The time now is 11:25 AM.




About Us | Contact Us | Affiliate | Sitemap | Espanol | RSS Feeds| Terms of Services Navigation