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OfflineCLIT
Stranger
Registered: 01/23/12
Posts: 2,758
Last seen: 1 year, 10 days
is freecreditreport.com the legitimate site to get free credit report?
    #23545898 - 08/16/16 02:00 AM (7 years, 5 months ago)

I know there are 3 branches that can give credit reports: Equifax, Experian, and TransUnion. Not sure why each one varies in the score department.


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OfflineBrian Jones
Club 27
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Registered: 12/18/12
Posts: 12,340
Loc: attending Snake Church
Last seen: 4 hours, 20 minutes
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: CLIT]
    #23545948 - 08/16/16 03:41 AM (7 years, 5 months ago)

All three of them are independent and us different info. I had a free service that gives you all 3 scores with no strings attached. I don't think it was that company; I think it was CreditKarma. Always make sure there are no strings attached. I used to use companies that gave you all 3 scores, but you had to cancel within 10 days to avoid monthly memebership. Those are Ok if you remember to cancel.

      Probably CreditKarma and Free credit report, and others are good, just read the fine print.


--------------------
"The Rolling Stones will break up over Brian Jones' dead body"    John Lennon

I don't want no commies in my car. No Christians either.

The worst thing about corruption is that it works so well,


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Invisibleeeso
Str@nger
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Registered: 03/25/07
Posts: 554
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: Brian Jones]
    #23545997 - 08/16/16 04:52 AM (7 years, 5 months ago)

I use CreditKarma


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,372
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: CLIT]
    #23546073 - 08/16/16 06:11 AM (7 years, 5 months ago)

They're legit, but once you sign up for your "free" credit report, they will automatically enroll you in their "monthly monitoring service." So once you get the report, make sure you call and cancel the service. I canceled (literally) about 3 minutes after I got the report.


--------------------
...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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OfflineReposadoXochipilli
Here, there, inbetween
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Registered: 08/30/05
Posts: 7,501
Loc: Sand and sunshine
Last seen: 18 days, 13 hours
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: eeso]
    #23573875 - 08/24/16 06:56 PM (7 years, 5 months ago)

Quote:

Brian Jones said:
All three of them are independent and us different info. I had a free service that gives you all 3 scores with no strings attached. I don't think it was that company; I think it was CreditKarma. Always make sure there are no strings attached. I used to use companies that gave you all 3 scores, but you had to cancel within 10 days to avoid monthly memebership. Those are Ok if you remember to cancel.

      Probably CreditKarma and Free credit report, and others are good, just read the fine print.



Quote:

eeso said:
I use CreditKarma



this is the way to go


--------------------


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OnlineYthanA
ᕕ( ᐛ )ᕗ
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Registered: 08/08/97
Posts: 18,774
Loc: NY/MA/VT Borderlands Flag
Last seen: 4 minutes, 16 seconds
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: CLIT]
    #23583621 - 08/27/16 01:54 PM (7 years, 4 months ago)

No, do not use freecreditreport.com. You can get the same service for free without being upsold and harassed by salespeople. https://www.annualcreditreport.com/ is the legitimate site for getting your free, complete credit report once a year from all three agencies (Experian, Equifax, and TransUnion). This will show all your outstanding credit lines and any delinquencies, and it's good to check. If you just want to know your credit score, you can use https://www.creditkarma.com/ or https://www.creditsesame.com/ like other people mentioned. This can be important for loans and stuff, and it's fun to watch your score rise, but really it's just a reflection of the facts on your credit report. Mostly you want to make sure there are no open credit lines or delinquencies which you don't recognize. If you pay your debts on time, your credit score will increase just by keeping your credit lines open and in good standing.


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OfflineCrumist
Stranger
I'm a teapot User Gallery

Registered: 11/02/13
Posts: 781
Last seen: 7 years, 1 month
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: Ythan]
    #23640687 - 09/13/16 05:57 AM (7 years, 4 months ago)

Its unfortunate they can't give the annual credit report a special domain,
especially with all the jerks trying to slip charges onto your credit card on
the sly.

I'm glad ITT tech is gone, but itd be nice if the consumer protection agencies
hassled freecreditreport.com and similar as well add hosted a .gov credit check
site


--------------------
'I am all for resources being allocated to the widowed single mother of 3, lost husband over seas fighting for our country. I am for vets getting mental health access and resources following war. I am not for free money cause a woman can't close her legs or some chump with low testosterone no going to work cause "i'm sad."' -finalexplosion
Nice knowin ya'll! https://www.shroomery.org/forums/showflat.php/Number/23904704/vc/1#23904704


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OfflineCLIT
Stranger
Registered: 01/23/12
Posts: 2,758
Last seen: 1 year, 10 days
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: Crumist]
    #23646245 - 09/15/16 12:13 AM (7 years, 4 months ago)

I still haven't met anyone that was an ITT tech graduate that's doing well in life. I don't think they are a legitimate school but more like a front to milk free government money from students who are naive. Off topic.

Quote:

Crumist said:
Its unfortunate they can't give the annual credit report a special domain,
especially with all the jerks trying to slip charges onto your credit card on
the sly.

I'm glad ITT tech is gone, but itd be nice if the consumer protection agencies
hassled freecreditreport.com and similar as well add hosted a .gov credit check
site




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Invisiblememes
Blessed


Folding@home Statistics
Registered: 01/11/05
Posts: 27,785
Loc: In a Tree
Re: is freecreditreport.com the legitimate site to get free credit report? [Re: Ythan]
    #23646504 - 09/15/16 03:46 AM (7 years, 4 months ago)

Quote:

Ythan said:
No, do not use freecreditreport.com. You can get the same service for free without being upsold and harassed by salespeople. https://www.annualcreditreport.com/ is the legitimate site for getting your free, complete credit report once a year from all three agencies (Experian, Equifax, and TransUnion). This will show all your outstanding credit lines and any delinquencies, and it's good to check. If you just want to know your credit score, you can use https://www.creditkarma.com/ or https://www.creditsesame.com/ like other people mentioned. This can be important for loans and stuff, and it's fun to watch your score rise, but really it's just a reflection of the facts on your credit report. Mostly you want to make sure there are no open credit lines or delinquencies which you don't recognize. If you pay your debts on time, your credit score will increase just by keeping your credit lines open and in good standing.




i also use annualcreditreport.com

have used it three times now, every 14-15mo, to check all three iterations of my credit report.


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