3 Free Credit Reports, No "Free Trial" BS, FTC.gov endorsed.

[RegFee]

Dave (dgridley) posted this back in May, but the thread was closed and could not be bumped.

I just ordered 3 credit reports (one from each agency) and it took about 5 minutes. I was skeptical about using the site until I found information about it on the federal trade commission's website.

Here's the link to the FTC article:

http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

Here's the link to get your free reports:

https://www.annualcreditreport.com/cra/index.jsp


Here's a little story as to why checking your credit often is very important.

I'm 21 now and living in New York. My little sister used my library card after I left home in Arizona, and she lost the books (without telling me). I was going to prequalify for a mortgage 2 weeks ago, when my broker told me I had a $24 unpaid debt for the past 4 years.

I've since fixed the problem, and just checked my reports to make sure it's off, and it is. I'd like to think a $24 debt would not keep me from getting a house, but you never know.

Enjoy!
-Jorge

 

[dgridley]

Thanks for the repost.. comes in handy.. I found I didn't owe quite so much as I thought!

 

[Gene]

Excellent! Just got my three reports Thank you!

 

[RegFee]

Anyone else try this? I can't believe I've never known about this. We had a big meeting at work, and we were told how to go about getting credit reports, but that involved signing up for the credit monitoring trials, etc. This is completely free!

 

[dgridley]

Keep in mind that it is free once annually at each of the three sites...

I used it last year when I originally posted this.. very handy.. and may we mention again: FREE!

Anyone else try this? I can't believe I've never known about this. We had a big meeting at work, and we were told how to go about getting credit reports, but that involved signing up for the credit monitoring trials, etc. This is completely free!

 

[Stephen]

Did the experian one, I am going to use the others at a later date, since you only get one free a year at each site..

Credit isn't as bad as I thought.

Stephen

 

[yandig]

+REP
(oops) "You must spread some reputation around before giving it to RegFee again"
...I tried
Thanks for the link

Dave +REP (Power up)

 

[NPQueen]

Keep in mind that it is free once annually at each of the three sites...

I used it last year when I originally posted this.. very handy.. and may we mention again: FREE!

Is that once every 12 months free or once in the year say 2005 free? Could I order them now and then order them again in 2 weeks? Just curious? :D

 

[dgridley]

:p Why don't you try and get back to us on that?

Is that once every 12 months free or once in the year say 2005 free? Could I order them now and then order them again in 2 weeks? Just curious? :D

 

[RegFee]

Keep in mind that it is free once annually at each of the three sites...

I used it last year when I originally posted this.. very handy.. and may we mention again: FREE!

Is that once every 12 months free or once in the year say 2005 free? Could I order them now and then order them again in 2 weeks? Just curious? :D

I'm pretty sure it's once per fiscal year, but don't quote me on that.

 

[dgridley]

I think her question was just a joke, lol.

I'm pretty sure it's once per fiscal year, but don't quote me on that.

 

[jim]

https://www.annualcreditreport.com/cra/helpfaq#oftenrequest

How often can I request a free credit file disclosure through this website?
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit file can be requested through this website, by phone or by mail.

BTW ..no links though I guess you should check your states website if you live in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey or Vermont


https://www.annualcreditreport.com/cra/helpfaq#statelaw

Am I entitled to a free credit report under state law?
In addition to consumers who are eligible for a free credit file disclosure through the Annual Credit Report Request Service; consumers in some states are eligible for a free credit file disclosure under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.