Credit Report

  1. I am desperate to get my credit report since it seems I might be the victim of identity theft. I am confused as to who is the best service to get my credit report from. I would appreciate an advice you folks could offer. I know that this is a weird place to post a question like this but I do not know who to turn to for this.

    I was under the impression that everyone was entitled to one free credit report a year. So, I was surprised to see that pretty much all credit report companies are charging around $30+ to get you a copy of your report. The ones that claim to offer a free credit report require that you get a membership which offers a free 30-day trial phase. After that they begin to charge you for the service. Go figure .

    Thank you in advance for your replies.

    Clueless in Long Beach,

    jemride
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  2. 7 Comments

  3. by   Nurse Ratched
    I will respond to this and then scoot it into the break room for more replies . My understanding is that you are allowed a free credit report if you are denies credit based on the contents of that report (to allow you to see what things may have counted against you.) So if you were denied credit (a card, car loan, house loan, etc.) you should be able to secure a copy at no charge.

    Don't do the "get a free report (and sign up for our impossible-to-quit-service in the fine print)" thing. I check my and my husbands credit reports yearly - you can do Equifax, (the other two major credit bureaus are escaping me right now but I wil post them when I have a chance to look them up.)
  4. by   MelRN13
    One of the other major reporting bureaus is called TransUnion, I will look around and see if I can find the number, it was on my credit report when I bought my house.
  5. by   CashewLPN
    experian.... its the other one...
  6. by   Tweety
    There are three credit reports to get. Try to get a service that will provide you with all three, Experien, Equifax and one other I can't remember. Probably the TranUnion mentioned above.

    Sorry, but credit reports are not free, otherwise we'd all be getting them all the time. It's worth it to check our your report every now and then. There's a person in Utah with my name that was on the Experian (sp?) report of my credit report. Fortunately he had good credit and didn't affect me buying anything, but it's a pain.

    Good luck.
  7. by   Sheri257
    If you suspect identity theft, I would put a fraud alert on my credit right now. I personally prefer Equifax, and if you initiate a fraud alert with one of the bureaus, the others will pick it up. All you have to do is call their 800 number, pay the fee, and press a button to initiate the alert.

    However, I'd still call all of them and spend the eight bucks or whatever to make sure that fraud alert is effective immediately. Identity theft will cost you a lot more if you don't.

    Remember that once you initiate a fraud alert, you are freezing your credit and it will be harder if you need to obtain new credit for yourself. But it's certainly better than some criminal ruining your credit.

    As far as getting a free credit report, it depends upon which state you live in and the laws of that state. Unlike other states, California does not require a free credit report.

    Last edit by Sheri257 on Mar 31, '04
  8. by   jemride
    Thank you all for your replies,

    I just went to www.experian.com and got my credit report instantlly. I was amazed to see how much information was on there and how quickly it was made available to me. I am happy to say that everything looks good for the time being.
  9. by   Sheri257
    Quote from jemride
    Thank you all for your replies,

    I just went to www.experian.com and got my credit report instantlly. I was amazed to see how much information was on there and how quickly it was made available to me. I am happy to say that everything looks good for the time being.
    Remember that your credit report is usually at least 30 days out of date. So you may want to check on it in another month just to make sure.


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