Free Credit Report?

elvistheking44

If my credit is so important and it means life or death here in the US....why the hell do I have to pay to see it, does this not bother anyone else?
Why cant I look at it daily, for free, its mine isnt it?

Just a thought

edvedder913

you can get them for free once a year or once every six months or something like that...

elvistheking44

where?

And only once a year.......

sennin

I got mine from http://www.freecreditreport.com/

You can get one once a year from the good ol' government.
http://www.ftc.gov/opa/2005/08/freecredreports.shtm

PJSerf

You can actually get it 3 times a year for free at annualcreditreport.com

You can get one for free from 3 different sources each year. So I look at one source every 4 months.

GreenTeaDisease

PJSerf wrote:

You can actually get it 3 times a year for free at annualcreditreport.com

You can get one for free from 3 different sources each year. So I look at one source every 4 months.

yeah I think it is only re-calculated every quarter so it wouldn't matter if you looked at it more than that anyway.

sennin

GreenTeaDisease wrote:

yeah I think it is only re-calculated every quarter so it wouldn't matter if you looked at it more than that anyway.

However each one does it a little different and has different scoring scales. But still, they give you the same basic info.

sennin

oh, and you have to pay for you actual score....otherwise you just get a report without a score.

inmytree

sennin wrote:

I got mine from http://www.freecreditreport.com/

You can get one once a year from the good ol' government.
http://www.ftc.gov/opa/2005/08/freecredreports.shtm

this is the direct link for the one that is truly free...

https://www.annualcreditreport.com/cra/index.jsp

freecreditreport.com forces you to sign up for there credit monitoring service...

thunderDAN

the companies that process the reports charge the site you are using to look at it....but you can look at it free 3 times a year I believe

Anon

you cannot get your credit score on this sites for free...I believe the only place you can get your score for free is through the gov't

Anon

Actually, after doing a little research, you CAN get your credit score FOR FREE here:

https://www.eloan.com/myeloan/viewscore

I don't have much debt, but I was surprised to see my score is in the mid 700s...

adam42381

You have to pay to view your score at http://www.annualcreditreport.com ; they give you your report but the actual numeric score must be purchased.

https://www.annualcreditreport.com/cra/helpfaq#creditscore

adam42381

all4PearlJam wrote:

Actually, after doing a little research, you CAN get your credit score FOR FREE here:

https://www.eloan.com/myeloan/viewscore

I don't have much debt, but I was surprised to see my score is in the mid 700s...

That's a good option. You can only do it one time per social security number. I checked mine back in 2006 so it shows my old credit score. You have to pay to have it updated after the first time.

inmytree

adam42381 wrote:

You have to pay to view your score at http://www.annualcreditreport.com ; they give you your report but the actual numeric score must be purchased.

https://www.annualcreditreport.com/cra/helpfaq#creditscore

yeah, it's 7 bucks for expirain...

If you're looking to buy a car or home, it's money well spent...

sennin

in the 800's w/ Equifax!