Free Credit Report???

Where may I get a free credit repor and find out my points without having it affect my credit history. Someone please help. confused

Comments(12)

  • joel28th October, 2003

    Show the Credit Reporting Agency your credit got denied in the last 60 days. If not you will need to purchase them, but even so, it will not ruin your credit by checking them.

    http://www.thecreativeinvestor.com/Article1.html

  • SuccessfulFuture28th October, 2003

    Actually I just found a way. If anybody needs it, email me. or try this...
    econsumer
    dot
    equifax
    dot
    com

  • jfoley28th October, 2003

    If you have been denied credit recently get a copy from the company that denied you.

  • rup22nd November, 2003

    You can get a free credit report by sending a letter to the bureau and stating that you "have reason to believe your file contains inaccurate information due to fraud" and would like a free copy of your credit report as required by the Fair Credit Reporting Act. You do not need to state what those reasons are. Be sure to include your full name, address, Social Security number and most recent former address with your request. A photocopy of your drivers license is a good idea too.

  • Zach22nd November, 2003

    I just now looked at that web site - it's cheap, but you still have to pay for it. Zach

  • InActive_Account24th November, 2003

    On most of the free ones it counts as a Hard Inquiry, this lowers your score.

    If you pay for it a site like MyFico it is a soft inquiry and shows that you pulled it. This does not count against you.

  • Steena24th November, 2003

    I'm sorry, but you have been given inaccurate information. First, if you show that you have been denied credit, you only get that credit bureaus report for free (there are three different bureaus that you need to get a report from...equifax, experian, transunion). The reports are about $8-$10 dollars each if you get them directly from the credit bureaus. Also, when you pull your own credit, it never shows. It doesn't count. The law states that you may obtain a free report if you have been denied credit or if you are unemployed and you think that your bad credit is keeping you from obtaining a job, occurance of fraud ( ie. identity theft) and inaccurate information on your credit report.
    (you can verify this is accurate by reading the FCRA...Fair Credit Reporting Act...it's online and available for everyone to see)

  • Steena24th November, 2003

    This is where you will find a full copy of the FCRA...
    http://www.ftc.gov/os/statutes/fcra.htm

  • InActive_Account25th November, 2003

    Quote:
    On 2003-11-24 10:03, Steena wrote:
    Also, when you pull your own credit, it never shows. It doesn't count.


    You need to be carefull with that statment!

    Some of the sites that advertise a free report are selling a service and when they pull it counts as a hard inquiry. They do not count as a consumer inquiry.

    And most people who are looking for a free report do not understand the diference.

  • DannyB25th November, 2003

    Good point Lacashman!

    I'm not sure what the attraction to this whole "free" report thing is.

    Every time I needed to pull my credit, I needed it right then.

    It only cost about $8 - $10 and you can access it online immediately. Time is your most precious asset. Don't waste it trying to get an $8 report for free.[ Edited by DannyB on Date 11/25/2003 ]

  • bigpoppa91126th November, 2003

    I would not worry about getting a credit report for free,. but I would advise that you obtain reports for all three bureaus as soon as you are able to do so. Additionally I would suggest that you get the mailed report as opposed to getting one online. The mailed report is more thorough that what you recieve instantly online. If you go to www.MYFICO.com you can obtain all three of your scores for $38.85

  • InActive_Account27th November, 2003

    Quote:
    On 2003-11-25 13:41, DannyB wrote:
    I'm not sure what the attraction to this whole "free" report thing is.


    When it comes to marketing Free is a very big power word.

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