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jack23
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Subject: credit bureau information: Free credit report
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Wed Dec 03, 2008 12:30 pm
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| I was going through the forum and found that the credit bureaus provide one free credit report once every year. I want to know whether the credit bureaus provide free credit score each year. |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13699 Magic Points
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Wed Dec 03, 2008 12:46 pm
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Hi Jack
Although it is true that one report is free every 12 months as per the Federal law, you need to purchase the credit score which is not available free of cost. However, there are certain credit repair agencies which offer free credit score service only if you sign up for debt consolidation or credit repair services. Again if you sign up with the credit bureaus for fraud alert, you will receive a free credit report in addition to the free report which you get every year.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1335
167 Magic Points
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Subject: credit
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Thu Dec 04, 2008 5:39 am
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| You would THINK if the CB's will provide a FREE CR each year, they would provide a FREE score, as well. Can't they afford to give out FREE scores? ( sarcasm, of course..) |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Mon Dec 15, 2008 12:16 pm
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No, as per the Federal laws, each of the three credit bureaus are required to provide only one free credit report each year but not credit score. Moreover, you get one free credit report if you sign up for fraud protection service. Moreover, there are several credit card companies that offer unlimited access to your credit report if you use their credit cards. But I have not come across companies that offer unlimited free access to your credit score.
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Where there's a will, there's a way !! |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4059
12559 Magic Points
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Thu Jan 08, 2009 1:04 am
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| Is it the three credit bureaus that offer the fraud protection and does it cost much? I have been thinking of getting fraud protection and would like to know its cost. Also where can you get a look at your score with out having to sign up for anything. I was going to do this at one of the credit bureuas but got worried that they would pull money every month like I seen others post about here. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1281
28178 Magic Points
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Thu Jan 08, 2009 7:26 am
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Fraud alert services are offered by each of the three credit bureaus and it is available free of any charge. If you think that your identity is stolen, you can activate the initial fraud alert with your credit report. This fraud alert is active for a period of 90 days from the date of activation. You need not contact each of the three credit bureaus separately for fraud alert service. Once you activate fraud alert service with a bureau, the other two bureaus are informed automatically.
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aby
Joined: 29 Jan 2009
aby's page
Posts: 33
89 Magic Points
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Wed Feb 18, 2009 6:26 am
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hey your credit score is your all financial activity. they may show your credit score if any action taken agianst your any unpaid bill or any debt.
Regards
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Aby |
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Sat Feb 21, 2009 5:04 pm
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I requested my report from Equifax 3 weeks ago waiting to receive. I will order from each of them.
Its worth paying to get score though. |
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aby
Joined: 29 Jan 2009
aby's page
Posts: 33
89 Magic Points
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Tue Mar 03, 2009 6:37 am
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Ya its worth you request credit report from all three credit bureaus company .so you will get different credit reports becuase this credit bureaus company don share information with each other.So you may get three different score.
Regards
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Aby |
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