View Full Version : Credit report
tmgx2
Jan 15, 2008, 06:09 PM
How do I go about getting a free credit report?
excon
Jan 15, 2008, 07:12 PM
Hello t:
FreeCreditReport.com | Free Credit Report and Credit Score Online by Experian (http://www.freecreditreport.com/)
excon
Stringer
Jan 15, 2008, 07:31 PM
By law everyone can get one free credit report per year... go to Experian as excon said or any of the other two major companies.
Stringer
Fr_Chuck
Jan 15, 2008, 08:04 PM
The only truly free one I know of is
https://www.annualcreditreport.com/cra/index.jsp
kp2171
Jan 15, 2008, 08:29 PM
I agree that you have to be careful of sites like freecreditreport.com... they might give you a "free report" contingent upon enrolling in a program that you have to opt out of within a certain time or you get charged.
Technically, you can get a free report from them, but you need to opt out of their enrollment.
The link fr chuck gave is one without hassles.
That said, I have used freecreditreport.com before and bought their 3 report with scores pkg and was pleased.
Fr_Chuck
Jan 15, 2008, 08:46 PM
I will say I belong to one of the credit services, I can look online at my three credit reports anytime I want, and anytime there is a change to any credit report I am notified by email. So often a paid service can supply a lot of help to watch your credit
majornick
Jan 18, 2008, 03:38 PM
How do I appeal bad credit report?
majornick
Jan 18, 2008, 03:38 PM
How do I appeal bad credit report?
excon
Jan 18, 2008, 03:59 PM
Hello maj:
In your credit report there is a form and instructions on how to challenge the information.
excon
Fr_Chuck
Jan 18, 2008, 04:08 PM
You can't appeal it merely because you have a bad rating,
You can challenge any wrong or incorrect info on it.
For example if there is a debt that was paid but is showing unpaid, if there is a debt that is not yours. And so on