Hi Archie, I never knew they did not include Alaska. Is this your place of residence? Watch what credit sited you are visiting. The one advertised non stop with the kid singing "free credit report.com baby" is being sued. I would go to annual credit report.com and get my report from there. It does not have a fee assocaited with it unless you want your score. You are entitled to one free pull from each of the three bureaus per year.
I think as there is no any company who provides free copy of credit report. yOu should be careful if you came accross such advertisement through internet. Such online reports may be misguidng you.
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American consumers, including Alaska residents, can obtain a truly free copy of their credit report once every twelve months by visiting www.annualcreditreport.com
This website is sponsored by the three major U.S. credit reporting agencies-
In response to a law passed by Congress requiring the credit bureaus to provide consumers with a free copies of their credit reports once every year. Each of the three agencies maintain separate credit information, and each will generate its own credit report. You can request all three of your credit reports at once, allowing you to cross check the information on the three reports, or you can request them one at a time over the course of the year, so you can keep an eye on new information appearing in your credit files. If you are planning a large purchase in the near future and need to maximize your credit score, comparing all three reports is probably a good idea. However, if you simply want to monitor your credit reports, then you should probably pull one report every few months to check for new items.
annualcreditreport.com will not provide you with a free credit score. However, the bureaus will provide you with your credit score for a relatively small fee when you request a copy of your credit report. While you may be able to obtain a credit score from one of the “free” commercial sites, I recommend that you pay the small fee to obtain your credit score directly from the credit bureaus rather than enrolling in a “free trial” offer, which could end up costing you a lot more money.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.