oihge7707 asked:


I think we’re allowed to get one once a year – is that true?
If so where exactly can I get an annual credit report for free?
Thanks.

Manuel

Helen Hecker asked:


Assuming you already have a copy of your annual credit report you may have already found some errors that should be removed. Errors should always be a big concern because they can and probably have affected your credit score, also called a FICO. You can repair your credit with a little bit of help.

It may seem like a lot of work but it’s really easy. The hardest part is actually sitting down to do it. You’ll need to check all three credit bureaus to make sure the same error isn’t on all three but if you just have one credit report, start with that one.

First make a list of any and all errors that you find on your personal credit report. These could be in the form of personal information such as birth date or more likely there will be information that you know not to be true such as late payments or no payments recorded etc. If you think there is any possibility that you could be wrong check your past history with the creditor in question first.

You want to make sure you are right before you make the request to have any information removed from your credit report.

You will be sending the letter only to the credit bureau mentioned on the report, which would be Esperian, Equifax or TransUnion. You don’t want to sound angry in the letter, just be matter-of-fact, straightforward and business-like. Just outline the facts - name of creditor, dates, and the error(s) or problem(s) you’re finding on the credit report.

Here is a sample letter:

Date:

To whom it may concern at Esperian (or other credit bureau):

I recently acquired a copy of my credit report and found some errors that I’d like to dispute. I am enclosing documentation to prove the information is incorrect and would like a correction. I value my good standing and good credit history and want to maintain a good credit rating and credit score.

Name the creditor along with the reference date including the month, day and year if possible.

The error(s) I have found are:

I’m including copies of my payment record, with a (cancelled check or online payment print-outs or any other documentation that you have).

I would appreciate any attention to the matter as I would like my credit report to be accurate. I’m sure you understand that credit bureaus need to include only information that is accurate in my file.

Thank you for taking a look at my letter and file and hopefully making the necessary corrections so I can continue to maintain my good credit standing. Please let me know that my file has been reviewed and what action has been taken. I would also like a copy of my corrected credit report sent to the enclosed address. Thank you.

Sincerely,

Besides your full name as shown on the report, include you mailing address, a copy of the report that you have, your social security number, driver’s license photocopy and any other documentation such as a cancelled check or online payment confirmations.

Make a copy of the letter for yourself and a copy of any enclosures with the letter. Send the dispute letter by certified mail with a ‘return receipt’ requested. Then make sure to get the free credit reports from the other two main credit bureaus or reporting agencies to make sure they don’t have the same incorrect information. You can get free instant credit reports from the other two online.



Don

Gobbledygook asked:


I think I’ve heard that credit inquires(for seeking loans,etc.) of the 3 credit bureaus results in lowering the score and is cumulative. The more inquires such as home buying, auto purchase, major appliance or personal loans the lower the score goes each time. If this is true, does it also apply to personal requests for the free annual credit report?

Jessie

cara asked:


I am looking for Experian credit report.
Many of the websites, have you sign up for a free trial, and give credit card #’s…

I don’t trust that…

Gertrude

Zongy asked:


This is inregard to going to the Internet using the web site www.annual credit report.com .to get one’s free credit report from the three main credit report companies ” Experian ”
. ” Equifax” , and ” Transunion ” (sp).. Although by a new law , one can get a free credit report ” one time ” , is there a ” gimmick ” whereby you are inviting all kinds of spam people to bombard you with sales deals , or worse , requiring you to make purchases ?
Appreciate feedback !

Darrell

no name asked:


I went to the free credit report sites and they weren’t able to process my information due to the fact they asked me a question about something on my account that shouldn’t be there. So if you can only speak to a live representative after you order a free credit report.How do I inform them the mortgage they were asking about shouldn’t be there and that I’m unable to get my report due to this false information? Is there a mailing address for the credit report companies I can mail a letter to? I only get a automated message when I call the credit report companies. I need to get my credit report before I can work with a credit repair company on how to fix my credit.
The site I was on didn’t give a mail in option. Just unable to process from the information I gave.

Lucy

Ian Webber asked:


Credit Repair - It Takes Three to Tango

Get all three of your credit reports. There are a variety of ways to do this. In fact, as any one who has started a credit repair project knows, there are about a thousand ways to get your credit reports on the Internet. Everyone has his or her own favorite, so this is somewhat subjective, but you may want to try it my way.

It’s Free, but it’s Hard

Stay away from annualcreditreport.com. Annualcreditreport.com is the site set up by the three credit bureaus under the mandate of the Fair Credit Reporting Act (FCRA) for the purpose of providing free credit reports, one from each bureau, one time per 12-month period. Okay it’s free. But darn, it’s a pain in the ****. The site itself is a hub that directs you to each bureau in turn, so you will be making your effort in triplicate. Did I say effort?

Millions are stopped at the Security Blockade

Yes, folks, you will probably be sweating by the time you are done. And there is a pretty good chance you will not get all three reports. What? Right-o. You will have to face a series of security questions that may block you from your credit reports and delay your credit repair project until the obstructing bureau mails you a pass code. Credit repair is tough enough without the frustration that this site can impose. There is a better way.

Credit Repair Bucks Well Spent

Your credit repair effort is really important. Keep everything in perspective. If you have the fortitude, are comfortable on the computer, and feel up to the task, go ahead and get your reports from Annualcreditreport.com. Otherwise, if you are like me, and want to get the show on the road, just go to Truecredit.com and part with $14.95 for a one time tri-merged report.

Minimize the Credit Repair Pain

The process is quick the security is appropriate but manageable, and the report is easy to look at. And that may make a big difference as you get your credit repair job underway. But there is a trick. On the Truecredit.com site you need to find the light grey text that says, “You can also get your three bureau report, without the free scores”.

The Case of the Hidden Link

Just click on the underlined phrase, “without the free scores”. This line does not conform to web standards for a link and is almost hidden. You need to look hard. Oh, and once at the order page please deactivate the two pre-checked boxes that attempt to sell you nonsensical “Debt Analysis” and “Home and Auto Insurance Scores”.

My Credit Repair Money

I’ll let you draw your own conclusions about the accessibility of the link, but as far as I know this is the cheapest way to get a great tri-merged report without signing up for a monthly monitoring service, identity theft protection, and other costly extras that the credit bureaus want to sell. There is nothing particularly wrong with any of these extra features, so it’s up to you, but for my credit repair money, I like the simple path.

A Few Good Tips

Once you decide to take this path here are three pointers. You should jot these down. Your credit repair project will benefit. Here you go. One, make a note of your user name and password; you may want to log back in later. Two, look for the “printable copy” link. If you are going to print your reports this option is much better than a screen print. And lastly, notice the extra-info links offered in each account section. This info may be handy, so don’t overlook it.

The Credit Repair Lifeline

If all of this is daunting just call a credit repair professional. He will guide you through the process of getting your reports. And of course, once your reports are in hand a credit repair expert will provide all of the guidance you need to make sense out of the entire task. This is an important business! So if you find yourself intimidated, just call a pro. One way or the other, take action and you will succeed!

Copyright © 2008 Ian Webber. All Content. All Rights Reserved.



Margaret

mrfrudd2006 asked:


I heard than anyone can order their free credit report and score for free once annually on several websites. If you know how to do this, what website is really safe and how could you tell a site is a scam to just collect personal information to sell to fakes?

Gilbert

Anna Josephs asked:


Credit report score help to know how credit worthy you have been. Credit report is your personal financial report card in other words it’s nothing but all your credit history. Your credit report can affect your daily life from where you live and work to how much you pay for a loan or insurance. Here’s a guide to protecting your financial reputation

Unfortunately many of us do not know our credit score, if you take an approximate you will come to know that only 33 percent of consumers know their credit scores according to Government Accountability Office.

As important as it is to know how much money you have available before you write a check, it is equally important to know your credit score and what is on your credit report. Not knowing these things could cost you money.

You can have a copy of your credit report and one should know where he financial stand at the end year. This credit report keeps all the track of your purchasing and payments of your bills and many other financial matters.

This credit report helps agency to determine whether or not to give you a line of credit or loan you money. As higher the score, the les risk the lender believe you to be. As your credit score climb you interest rate you are offered probably decline.

The credit report lists your each and every financial detail, like the account you have open, even if it contains a zero balance.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Yearly Credit Report . For more details please contact at annajosephs@gmail.com



Martin

laura asked:


this website tells you that you will get a free report if you sign up, then if you do not cancel in your free trial, you will be billed
found out that the report is free. You pay for the monitoring of all 3 credit bureaus, and 50,000 in i.d theft insurance, plus you have unlimited access to your report and score. and it will never effect your credit . That’s not so bad.

Carol