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Free Credit Report

January 7th, 2008 at 07:35 pm

Just pulled one of my free credit reports at www.annualcreditreport.com

I know that ideally I should run one every 4 months (rotating the 3 credit reporting companies each time I pull the report), but honestly I'm averaging one every 6 months. I must really try to do better. It's such an easy thing to do; no excuse to not stay on top of that.
I've already made notes on my calendar 4 months and 8 months from now.

The report's clean --- No sign of identity theft --- No companies reviewing my account that don't have a right to (tho' really, why does Discover have to review it EVERY SINGLE month???) --- Whew!

I've checked my SCORE a few times in the past and paid for it, but DH told me that was ridiculous, and he was right. I was just doing it out of a sense of competiveness [as in "my score is higher than xx.x% of Americans, nanananananah."] --- silly, huh?

I no longer care what my score is ... well, I do care a little bit still (am I pathetically competitive or what?), but I'm not going to allow myself to get suckered in to paying for it. All that really should matter to me is staying on top of identity theft.

9 Responses to “Free Credit Report”

  1. Ralph Says:

    I just logged in to my Wamu account website and they have a nice little section where they tell you your score. And I'll know really soon what that means when I get my daughter's loan info for the loan I just applied for and agreed to co-sign for when I see how far above the minimum rate they are going to charge. It says that what hurts the most is having accounts near the max.

    Hey, does anyone know what the catch is for freecreditreport.com? (Oops, I see you used annualcreditreport.com - just how many of these things are there?!! Do they sell your name to mailing lists or something? Do they just contact the credit agencies to get your annual free report under the law that was just legislated a while ago?

  2. scfr Says:

    When the federal government mandated that consumers be allowed to pull a copy of their credit reports once a year for free, the "big 3" (Trans Union, Experian, and Equifax) got together and created www.annualcreditreport.com to comply with the law.

    That's the web site I made note of and have always used.
    I don't recall seeing advertisements for it. They offer you add-on, pay options (such as seeing your credit score) but they don't really push it.

    On the other hand, I see ads for www.freecreditreport.com EVERYWHERE! That makes me suspicious of it, thinking it's more commercialized. My suspicion is that site probably tries to sell you on things more (they have to pay for those ads somehow, don't they?), but I can't say for sure as I've never used it.

  3. Broken Arrow Says:

    Odd. I've asked for them twice, but they have yet to send me my reports.

  4. scfr Says:

    BA - I just view my report on-line. Did you ask them to mail it to you?

  5. tiki Says:

    The annualcreditreport.com site is the legit one. You get a free report once a year from the three reporting agencies. Freecreditreport.com, on the other hand, is a business--that's why their ads are everywhere. Your report won't actually be free. They've been the subject of some ethical enquiries and complaints as a result of their misleading ad statements.

    One other thing--the ratings vary from one company to the next. Experian told me my score was 730, but when we applied for a loan at WAMU, they said I was under 700, so they left me off the loan (hubby's score was higher). The system is confusing to say the least. I try not to worry too much about the number. We're accumulating savings and trying to structure our lives so that we can avoid the need for credit.

  6. Ralph Says:

    Hmm, Wamu said my rating decreased from 745 to 715, so that must be why Chase quoted 10% plus a 3% origination fee for a college loan, versus about 7.5% with no origination fee for someone with a perfect credit rating. I think I'll forego that until I can get the rating back up higher - I'm sure not paying 10% if I can help it!

    Thanks for all the info. That darn freecreditreport.com succeeded in inserting its name into my head by mimicking the real one just like spam and phishing, and I had actually never even heard of the real one.

  7. Amber Says:

    It's funny Discover is always on my report, then I applied for a card and was denied, lol

  8. Broken Arrow Says:

    scfr: Yeah, I asked for it mailed. For some reason, I thought that's how it's done. Big Grin Oh well, it's a brand new year, so I'll try again.

    And oh yeah, ANNUALcreditreport is the right one. I learned that one the hard way a while back. Big Grin

  9. larry Says:

    Good Credit Score.

    http://www.credittrained.com

    Learn the hidden secrets of how the credit companies figure out your credit score. Learn how you can take improper information off your credit information. How you can improve your credit score. Choose to take charge of your life and your credit situation.

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