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How to get a free Transunion Credit report

Date: Wed, 03/21/2012 - 11:58

Submitted by ioalot
on Wed, 03/21/2012 - 11:58

Posts: 138 Credits: [Donate]

Total Replies: 3


I recently went to geico to get a quote on auto insurance, a day or so later they emailed me that my quote was affected by a report they pulled from transunion with the normal "you have a right to request your report 60 days from this notice".

Mail or call for your free report.


Insurance companies don't set rates based on your credit report or score. They just pull the report to check how financially responsible the client is. Technically speaking, insurance has nothing to do with creditworthiness. I suggest you look into other insurers or approach an agent. I'm sure you will find better (and unbiased) rates.


lrhall41

Submitted by StevenDoyle on Wed, 03/21/2012 - 23:25

( Posts: 199 | Credits: )


I only mention this in case someone needs a credit report for free and they 1. already used there free annual report and 2. really don't want to pay for monitoring



Steve, you are incorrect, this has been with all the insurance companies in my state. Possibly in some states this is now allowed.

From Geico....
Federal Fair Credit Reporting Act Disclosure Notice

Thank you for contacting GEICO for a rate quote.

The price we are quoting you is based in part on information provided to us by the consumer reporting agency listed below.

We are sending you this notice, as required by the Fair Credit Reporting Act, because you received a higher price based on your credit information. However, you may contact us for additional consideration if the credit information used is a result of an extraordinary life circumstance.


lrhall41

Submitted by ioalot on Thu, 03/22/2012 - 07:26

( Posts: 138 | Credits: )