AnnualCreditReport.com Informative - A TRUE Free Credit Report

Review by Inat on 2010-01-04
SO I'm getting ready to buy a new home and need to fill out the mortgage application. Before I did, I get this tickle in my head - "What IF there was some weird account out there that I didn't know about and all this time, my credit score has dropped to below 700?" So I did some research and a good site to obtain my credit report. Of course we all know the silly commercials for "free" credit reports but if you go there, you see that it is not really free. Digging a little deeper, I stumbled upon the FTC website which supports the website "Annualcreditreport.com" which gives you your free credit report from Experian, TransUnion, and Equifax. You don't have to sign up for "credit monitoring", opt in to email lists, or anything else that turns a free report into some monthly fee. I consider myself pretty well-read and knowledgeable in consumer affairs but didn't know our gov't sanctioned a website like this... thought other may want to know as well...
Comments:14 Replies - Latest reply on 2010-02-16
Posted by S on 2010-01-04:
This site (AnnualCreditReport.com) is currently the only authorized site by the federal government for giving free credit reports. Good review and good advice.
Posted by Anonymous on 2010-01-04:
Yeah, that was a requirement of FACTA signed into law by George W. Bush. It's too bad though the act didn't require the industry's most relied upon credit scores to be provided along with those credit reports.

Good info inat!
Posted by Inat on 2010-01-04:
yeah, i dont often have good things to say about the gov't so when I can, I jump at the chance. And yes, i did notice that the FICA score was not provided. I was mainly concerned about accuracy and account info.
Posted by Slimjim on 2010-01-04:
Good topic thread. This IS the place one should go to get their reports. Heck, I believe at least two of the 3 reporting bureaus send people here to get theirs. The others with catchy jingles just look to lock you down into some monitoring service.
Posted by Hugh_Jorgen on 2010-01-04:
As I recall, the one with the jingles is owned by one of the big three agencies. Unless you need all three reports at once, just request one now, the next one in 4 months and the third one 4 months after that. That gives you three free peeks a year at your credit.
Posted by S. on 2010-01-04:
Another great thing is that you can get a report once per year from each of the reporting agencies. So that comes to--what?--a free report every four months? Good post.
Posted by S. on 2010-01-04:
Hugh, I think we clicked the 'post my comment' link simultaneously. :)
Posted by Anonymous on 2010-01-04:
Good to know, man. Thanks! Very helpful!
Posted by D on 2010-01-04:
I'm due to get my free reports from the gov't after January 11th... once a year..
Posted by D. on 2010-01-04:
Thanks, I knew we are entitled to a free report once a year, but didn't have a link that we can order all three reports from. I just checked mine out and found a listing on it that needs to be disputed that I did not find on the report I got a few months back...thanks again!
Posted by Anonymous on 2010-01-04:
Very Helpful. Thanks
Posted by antonego on 2010-02-03:
This site doesn't give you your Fico score. You can see if there are any incidents on your report but you need to know your score at the end of the day. Why won't the government provide this as part of the report?
Posted by Anonymous on 2010-02-03:
The government won't provide it because they don't own it. It is the intellectual property of the credit bureau, and is a product that they 'create' in order to sell.
Posted by AbsolutelySky on 2010-02-16:
I was just at that site and it immediately tried to sell me a credit report for $7.95. Then it offered it for free if I registered. One time...for free.

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