Free Credit Report? Cheapest?

I use TrueCredit myself. It allows for daily pulls for $14.95 a month. Also, if you signed up for the TU class action lawsuit, you would be elgible for 90 days free.

Thanks. What is the TU Lawsuit?

You're too late to sign up now but they settled a class action law suit that had to do with releasing of personal info to 3rd parties for promotional offers. I think the link was

listclassaction.com

Thanks Again!

Anyone else with any experience to share?

I also use Truecredit for $14.95. It seems to have the same information as when I look directly at reports from Experian and Equifax. The only difference are the scores ~ they don't match...but that's most likely the least of your concerns.

The cheapest is probably to do Truecredit...and then do the free credit report each year directly from all three sites. At least you'll have one hard copy of each and then can do monthly comparisons against TrueCredit. I check mine constantly.

Thanks! That sounds like the way to go! I really appreciate the info. I can only imagine whats on there after all the PDLS turning me over to CAs who sold them to others and so on.

there is one cheaper way to do it but it will only work as long as you have disputes. Get your complete copies of the three reports, and then file your disputes. The CRA has 30 days to investigate your dispute and respond. If the creditor doesnt reply to their request for verification, then they must remove the entry. Here's the thing--they are required by federal law to send you a new copy of your report after the dispute time expires. So, lets say you want to dispute four items on your report. Dispute ONE at a time. dispute one now, wait for the 30 days, get your new report, then dispute the second, wait, get your new report, etc etc etc. Like i said, it wont get you reports without disputing, but it costs you nothing to keep getting the new reports that way. and, when you go onto the CRa websites, you can typically view your report for 45 days or something like that at no extra cost once you have pulled it already the first time. At least at the end of that, you would have all the items disputed and you would get new reports free of charge each time.

Thank you! You are obviously knowledgable! Why not join our forum as a member. We need people like you!

if you are unemployed, have been denied credit, or are on welfare, I believe that you can get copies of your credit reports for free.

Does TrueCredit just use the info from the other sites, or do they actually send you those reports? I'd like to get all three major credit reports every month. Is there a service that provides that, or do we just contact them separately and arrange for it?

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