"Free" Credit Report

[dkn1997]

If it's free, then why do they need my credit card number?  because that's how they roll. They are banking on the fact that many people will forget to unsubscribe and they get to take you money for nothing.

[mikepmcs]

In maine you can get a credit report free from all 3 every year with no credit card needed.
check NY law and see if it's the same there.

v/r
Mike

[nh_mopar_fan]

That's a federal law. You need to go to this webpage:

http://www.ftc.gov/freereports

that will give you all the info as well as a link to the actual page where you can request a credit report from any of the 3 credit report companies.

Since there are 3 and you're entitled to a free report each year from each of them, what you should do is request one of them every 4 months or so which will allow you to keep track of any credit during the entire year.

[dkn1997]

that rocks!!!  thanks!! they did try to scam me in the middle, but at least you have the option to NOT give a cc#....thanks for the linky!!

[nh_mopar_fan]

 

[Troy]

The reason it helps to have all three is that they are usually different. Not every lender checks or reports to all three. The charge (I believe) is for the ongoing credit monitoring service - not to get your "free" report.

Troy

[TK73]

Its' important to stay away from business websites that want to sell you services along with the reports.

[The70RT]

Also the more credit checks done lowers your score. Yeah pretty crazy that you lose points tying to get a better deal on a loan 

[Silver R/T]

man, Im sure you lived longer in this country than I am but you haven't learned that there's nothing free

[moparsuebear]

Don't forget fraud alerts! when you file one you're eligle for a free credit repot too. BTW this is all those serves do like " lifelock" and such, they just call these people every 90 days. I do that often. call the 1800 # and it's a recording plug in you data an d Shazam! protected for free for 90 days!


http://www.ftc.gov/bcp/edu/microsites/idtheft/law-enforcement/helping-victims.html

[FastbackJon]

I signed up for a no annual fee washington mutual credit card. I don't plan on using it but I get free access to my FICO score.