Free Credit Report

Hopefully someone out there can help me. Where would I go online for a truly free credit report?....one that isn't requiring a credit card that comes with the old 30 day free credit monitoring service...cancel anytime or be charged $79.95 at the end of one month kind of website. I only seem to find the kind that requires giving a credit card number in order to get the "free" report. There must be someplace out there that will provide a truly free report without requiring the card. Thanks in advance for any help.

Comments(6)

  • Lethe3rd October, 2003

    My understanding is that if you have been turned down for credit in any way shape or form then the 3 credit agencies will send you a report for free.

  • jskcnski3rd October, 2003

    why not go to the bank or find a nice broker who will pull your credit? tell them you want a loan and you haven't seen your credit report lately.

  • SmileyFace3rd October, 2003

    Are you suggesting to lie to a lender or broker to get a free credit report? That is not a good thing to do. It does cost to pull credit report, you know. we are a mortgage broker. Before pulling any credit report, we asked a lot of personal, property, and financial questions, and of course, authorization to pull a credit report for the purpose to obtain a mortgage loan. Once the credit report is pulled, it becomes application, and we have to keep record of every thing for the application for three years. Do you still want to talke to a lender or broker to just get a free credit report??

  • DaveREI3rd October, 2003

    Online dont know...

    But you can write to credit bureau's:

    Experian:
    p.o. box 2104
    Allen Tx 75013-2104


    Dear Sirs,

    Please send me my free annual copy of my credit report.

    Give you name, address, ss#, D.O.B.,, employer, phone #'s

    and enclose a copy of your utility bill

    Quote:
    On 2003-10-03 13:53, sinking1 wrote:
    Hopefully someone out there can help me. Where would I go online for a truly free credit report?....one that isn't requiring a credit card that comes with the old 30 day free credit monitoring service...cancel anytime or be charged $79.95 at the end of one month kind of website. I only seem to find the kind that requires giving a credit card number in order to get the "free" report. There must be someplace out there that will provide a truly free report without requiring the card. Thanks in advance for any help.

  • jmBROKEr3rd October, 2003

    You can write to the 3 credit bureaus and req a free credit report once per year. You don't have to apply for credit and been turn down to be able to get a free report.

  • Lethe7th October, 2003

    Thanks, jmBROKEr - I did not know that.

    (Goes to show why one shouldn't believe evrything that written on the internet )

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