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Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsFree Credit Reports Question
I know the guy playing the guitar is not a good place for getting a credit report.. anyone have better/safer recommendations then Free Credit Report Dot Com?
thanks
dionysus
(26,467 posts)just contact the credit reporting agency.
dipsydoodle
(42,239 posts)very little is truly free in this world.
PoliticAverse
(26,366 posts)W_HAMILTON
(7,869 posts)It is a federal website that links to www.annualcreditreport.com, the "official" website for the federally mandated free credit reports.
Kelvin Mace
(17,469 posts)Gato Moteado
(9,865 posts)....my credit history disappeared.
a year and a half ago i had 0 credit history, a FICO score less than 600 and i couldn't get a decent credit card or loan. now i have 12 or 15 great credit cards, $150k in revolving credit and my transunion and experian FICO scores are between 775 and 800 and my equifax FICO is about 720. i can get approved to buy a house with no problem....and it took me no more than a year to get there. it's easier than you think and you don't need to hire an expensive consultant to do it. granted it was much easier for me than for someone with baddies or a bankruptcy, but even with that, you'd be surprised how easy it is to get your credit back on track.
i can help you find out what you need about your credit and i can tell you where to look to get the info to fix baddies on the report. i can also show you how to bump hard inquiries off of your trans union and equifax report (it can't be done on experian).
message me if you want any detailed info. as for getting your credit scores, it's free at creditsesame.com and creditkarma.com...i recommend them highly. the scores these free sites give your are not true FICO scores....in fact, they probably aren't even close to what your true FICO scores are, but the reports they give you are invaluable otherwise. they will tell you what bad things and good things are on your report. this is a great start for anyone trying to fix their credit.
getting your FICO scores for free can be tricky, short of going to a bank and applying for a loan. the problem is that will leave you with a hard inquiry on your report......3 or more of these in a 2 year period and your score degrades and lenders tend to shy away from you. but, there are ways of getting your FICO scores free monthly without taking hits on your credit report. if there's enough interest here, i will elaborate. if not, private message me and i'll help you get all the info you need.
DesMoinesDem
(1,569 posts)Worked for me.
W_HAMILTON
(7,869 posts)Almost all of the other "free credit report" sites have some sort of fine print where you can actually get charged; however, www.annualcreditreport.com is the official website for the federally mandated free credit reports you always hear about.
DesMoinesDem
(1,569 posts)W_HAMILTON
(7,869 posts)...they have more than enough information on you already.
Your site may be fine, but I wouldn't risk it either way. I would just go with the federally mandated, "official" website that I linked. That is the website all these others try to piggyback off of to draw users in.
Gato Moteado
(9,865 posts)they make money on advertising. you'll see plenty of credit card advertisements on the site.
you don't need to have a credit card in order to get an account with either website.
Nye Bevan
(25,406 posts)Every other site really wants to make money out of you.
myrna minx
(22,772 posts)While I wouldn't use it to predict my credit score for something like a home purchase (I would go to my fico for that), but I love being able to see my general Trans Unions score, monitor if there's any nefarious activity, and see if their data matches mine. I've used it since March and appreciate the service.