General Discussion

question everything

(47,460 posts) Wed Mar 18, 2015, 02:13 PM Mar 2015

It is AnnualCreditReport.com

There is no "free" in the address.

I decided to check my credit report, what with all the stories about identity theft and I've paid off my car loan..

So went to Yahoo and one would think this should be at the top of the search results.

No.

There are sites with myscore, or CreditKarm (really?), USGOVconnect, and other permutations. These are not free. One way or the other you will end up paying or not getting a good report.

No, I am not associated with the real site. But could not believe that I had to scroll down a whole screen length to find the right one.

7 replies

= new reply since forum marked as read

Highlight:

It is AnnualCreditReport.com (Original Post) question everything Mar 2015 OP

Glad you found the right one. So many people get taken in by scams. nilram Mar 2015 #1

The FREE one is at freecreditreport.com I just did ours last week benld74 Mar 2015 #2

If you dont cancel they will charge you Travis_0004 Mar 2015 #3

annualcreditreport.com is the one mandated by the Feds. ALL THE OTHER are not. winstars Mar 2015 #4

You are correct, THAT is the one I used. I was mistaken in earlier post benld74 Mar 2015 #7

no it isn't Man from Pickens Mar 2015 #5

I'm always suspicious of companies that offer a free service and advertise Ron Obvious Mar 2015 #6

nilram

(2,886 posts)

1. Glad you found the right one. So many people get taken in by scams.

Reply to question everything (Original post)

Wed Mar 18, 2015, 02:34 PM

Mar 2015

I have a reminder in my calendar that comes up three times a year, so I can make sure nothing is amiss. I keep the address of the real web site in that reminder. Handy, though half the time I ignore it...

benld74

(9,904 posts)

2. The FREE one is at freecreditreport.com I just did ours last week

Reply to question everything (Original post)

Wed Mar 18, 2015, 02:46 PM

Mar 2015

Travis_0004

(5,417 posts)

3. If you dont cancel they will charge you

Reply to benld74 (Reply #2)

Wed Mar 18, 2015, 03:02 PM

Mar 2015

Annualcreditreport.com is mandated by the federal government and is totally free, but they will try to sell you stuff that you can decline.

Credit karma is also free and very good.

winstars

(4,219 posts)

4. annualcreditreport.com is the one mandated by the Feds. ALL THE OTHER are not.

Reply to benld74 (Reply #2)

Wed Mar 18, 2015, 03:22 PM

Mar 2015

annualcreditreport.com doesn't give scores, but you can tell from whats on your reports where you are at, basically.

You can get a decent version of your FICO scores from the 3 credit reporting agencies (Experian, TransUnion and Equifax)

at myfico.com

benld74

(9,904 posts)

7. You are correct, THAT is the one I used. I was mistaken in earlier post

Reply to winstars (Reply #4)

Wed Mar 18, 2015, 04:54 PM

Mar 2015

Man from Pickens

(1,713 posts)

5. no it isn't

Reply to benld74 (Reply #2)

Wed Mar 18, 2015, 03:30 PM

Mar 2015

Did they take credit card info from you? If so, they're charging you whether you were aware of it or not. Many people complain of the deception and they refund upon complaint - but only a small percentage of people bother to do so. That's their business model. I made that mistake once.

Ron Obvious

(6,261 posts)

6. I'm always suspicious of companies that offer a free service and advertise

Reply to benld74 (Reply #2)

Wed Mar 18, 2015, 03:32 PM

Mar 2015

They're getting the money one way or another.

Reply to this discussion