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,
Mar 31, '04
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