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O/TFreeCreditReport.com

Discussion in 'Off Topic Threads' started by geneleroy, Mar 11, 2009.

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  1. geneleroy

    geneleroy TS Member

    Joined:
    Jan 29, 1998
    Messages:
    201
    I'm sure with all the expertize we have on this site someone can enlighten this poor old country boy, 'what's the gimmick with this free credit report who-haw'??Someone is spending 1000's of dollars in TV advertising just so we underlings can get a 'free' credit report!---Give me a break!---I don't give a 'hoot' what my credit rating is, just curious on the 'gimmick!'

    At my age no one gives me "credit" for anything anyway!LOL
     
  2. mixer

    mixer Well-Known Member

    Joined:
    Jan 29, 1998
    Messages:
    3,386
    Location:
    Coral Springs, Florida
    It's not free. You have to sign up for the service.


    Eric
     
  3. shannon391

    shannon391 Active Member

    Joined:
    Jan 29, 1998
    Messages:
    4,477
    Thanks, now you got me singing that stupid song.
     
  4. Milkbone

    Milkbone TS Member

    Joined:
    Feb 8, 2009
    Messages:
    406
    Federal law requires the 3 credit bureaus to give everyone a free credit report once a year. See the site above.
     
  5. cubancigar2000

    cubancigar2000 Well-Known Member

    Joined:
    Jan 29, 1998
    Messages:
    10,521
    Location:
    Idaho
    Yes, you get the first one free but they charge your card after that, stay away from it
     
  6. DK65

    DK65 TS Member

    Joined:
    Jan 5, 2009
    Messages:
    20
    I've done the free report through annualcreditreport.com for the last three years - haven't been charged yet. Actually found a discrepancy last year...
     
  7. g7777777

    g7777777 TS Supporters TS Supporters

    Joined:
    Jan 29, 1998
    Messages:
    9,353
    You have to be careful which blocks you check on the web pages or you will be charged

    go to each of the 3 rating services seperately on their own website and request your report

    regards from Iowa

    Gene
     
  8. waverider

    waverider Well-Known Member

    Joined:
    Jan 29, 1998
    Messages:
    1,628
    Location:
    HI
    The catch is you are allowed by law to get a free copy of your credit report annually. If you want your credit score you have to pay. They will also offer to monitor your report(s) for a price.

    I don't think that getting an annual free report counts as an inquiry. It is when financial institutions do an inquiry that may count against your credit score after so many.

    Jason
     
  9. Milkbone

    Milkbone TS Member

    Joined:
    Feb 8, 2009
    Messages:
    406
    No, just getting a copy of your credit report won't hurt your credit score. Like DK65, I've gotten free credit reports for the past few years and you aren't charged so long as you don't get one more than once every 12 months. They can't charge you without your knowing since you would have to give them a credit card number to be charged anything. No reason to be paranoid about getting these free reports- it can only be helpful to you.
     
  10. grunt

    grunt TS Supporters TS Supporters

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    Messages:
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    Location:
    Thousand Oaks Ca
    You can get a free report from the three credit companys every year. Get one from each every four months, that way you can track your credit all year.
     
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