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    tmgx2's Avatar
    tmgx2 Posts: 2, Reputation: 1
    New Member
    		  
    #1

    Jan 15, 2008, 06:09 PM
    Credit report
    How do I go about getting a free credit report?
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
    Uber Member
    		  
    #2

    Jan 15, 2008, 07:12 PM
    Hello t:

    FreeCreditReport.com | Free Credit Report and Credit Score Online by Experian

    excon
    Stringer's Avatar
    Stringer Posts: 3,733, Reputation: 770
    Business Expert
    		  
    #3

    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's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #4

    Jan 15, 2008, 08:04 PM
    The only truly free one I know of is
    https://www.annualcreditreport.com/cra/index.jsp
    kp2171's Avatar
    kp2171 Posts: 5,318, Reputation: 1612
    Uber Member
    		  
    #5

    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's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #6

    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's Avatar
    majornick Posts: 2, Reputation: 1
    New Member
    		  
    #7

    Jan 18, 2008, 03:38 PM
    How do I appeal bad credit report?
    majornick's Avatar
    majornick Posts: 2, Reputation: 1
    New Member
    		  
    #8

    Jan 18, 2008, 03:38 PM
    How do I appeal bad credit report?
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
    Uber Member
    		  
    #9

    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's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #10

    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
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