Free credit report?

[Tink-n-MrIncredible]

Which of the three credit reporting agencies is the best one to use? I would like check it and make sure it is accurate.

 

[JAMIESMITH]

www.annualcreditreport.com will let you get all three credit reports for free (no credit card required), but will try to sell you your score.

 

[timmac]

Which of the three credit reporting agencies is the best one to use? I would like check it and make sure it is accurate.

Where your primary concern is checking accuracy, you probably want to check all three. A prospective lender may use any of the three, and for most non-trivial situations (e.g. car loan) will probably use *all* three.

 

[Tink-n-MrIncredible]

I am not checking it for any loans or anything like that. I am making sure that there are no unauthorized items on there.

 

[timmac]

I am not checking it for any loans or anything like that. I am making sure that there are no unauthorized items on there.

...which is precisely why you want to check your reports from all three major bureaus. If you're concerned about anything errant appearing, checking only one and confirming it clean (or fixing any issues if necessary) is rather useless if there's errors on another bureau's report.

 

[Tink-n-MrIncredible]

...which is precisely why you want to check your reports from all three major bureaus. If you're concerned about anything errant appearing, checking only one and confirming it clean (or fixing any issues if necessary) is rather useless if there's errors on another bureau's report.

Thank you. Should I request all three at the same time or should I request one, make sure it is clean then go on to the next one.

 

[timmac]

I recommend using the link PP posted... you can get all three through the same portal (for free), and look over them one at a time. If there's nothing inaccurate, then reviewing each is usually a pretty painless process (In my experience)

 

[a1tinkfans]

www.annualcreditreport.com will let you get all three credit reports for free (no credit card required), but will try to sell you your score.

GREAT YEARLY reminder for everyone, thanks!

 

[distherapy]

I try to remember to space them out and get a free one every 3 months but sometimes I forget...

 

[POOHsie]

I look at one of the three reporting agencies at the first point of the year. The next one at the four-month point, the next at the eight-month point. I feel that way, if anything occurred I might see it in four months instead of at the start of a new year.

Make sure to check all three reports. The third one I checked at the eight-month point, showed a blemish that was not on the other two. It was an old CC debt, which I thought was long gone. It wasn't. I had moved to another state, and immediately got terribly sick, ending with disability. I didn't get any bills for the debt after the move, and over time, dealing with my health issues, I had forgotten it. The lender had made no effort to find me after the move, they just put the account in collections. I saw the item on the credit report, made inquiries, then made provisions to pay it off. Now I am truly "clean." So it pays to check all three credit reporting agencies.

 

[Cheshire Figment]

I get one from one in February, a second report in June, and a third report in October. That way I'm never more than a few months from most accurate information.

And www.annualcreditreport,com is the official site required by the Federal Government for the three major credit bureaus. You are allowed one free report per year from each bureau. Any other site will charge you or make you sign up for something.

 

[a1tinkfans]

where can we get the FICO score and what does that cost?

I did my credit score on one of the credit reports I ran, dh wants his, he missed that 7.95 purchase opportunity and now I am not sure where to get the score at all. TIA

 

[Cheshire Figment]

For the actual FICO score, which is used by banks, etc., go to www.myfico.com . The other companies have their own scoring which gives you a decent idea, but it is not the official FICO score used by lenders.

 

[Planogirl]

You can't get the FICO score for the Experian report. The two companies had a falling out some time back. You can however get the FICO for the other two credit bureaus.

 

[dawnn12]

i pulled all three reports in feb. two were the same the third had weird stuff like me owning a house in fl and having another address in my state. pull all three you never know what your going to find and if you find wrong info on there if you call them they will have it fixed and send you a revised one.