Comments on: Do You Think That You Should Be Able To Review Your Credit Report For Free?

By: CNJRTOM

CNJRTOM — Fri, 30 Oct 2009 12:59:56 +0000

In addition to the one you get free per year, if someone turns you down for credit, you can send a copy of the refusal letter to the credit bureau and get a copy of your report free. And you can do that as many times a year as it happens to you.

By: Anonymous

Anonymous — Fri, 30 Oct 2009 08:48:03 +0000

yes i do, its stupid that the free credit report places show you your report, but its just the report, it dosent tell you your score unless you pay

By: BuschWha

BuschWha — Fri, 30 Oct 2009 08:36:37 +0000

Everyone gets 1 free check a year

By: iceman

iceman — Fri, 30 Oct 2009 01:41:03 +0000

When someone pulls your credit score, legally they have to send you a copy of it. Thats the only free way to do it.

By: Paige

Paige — Thu, 29 Oct 2009 22:26:51 +0000

i completely agree!!!

By: Ari

Ari — Thu, 29 Oct 2009 18:34:49 +0000

As everyone else has said, the law provides that you get one free credit check a year. You are also entitled to a free copy of your credit report whenever your are denied a loan/card/etc. due to your credit report.
Just an FYI–when a company runs a credit check on you, they pay for it as well. Whenever I took a mortgage application at my last job and ran a credit report, my employer paid $50 a pop.

By: Leo C

Leo C — Thu, 29 Oct 2009 13:32:40 +0000

The US Government has mandated that the three major credit bureaus offer the service to everyone in the United States once each year. The name of this site is http://www.annualcreditreport.com.
Since it is government mandated it requires a whole host of hoops to jump through. You do not actually get your credit scores, and it can take 7-10 days to receive the information. All in all not very consumer friendly. Guess that is what happens when a big company is required to do something they do not want to do.
Here is how I got my Credit Report and Score from all 3 bureaus for free.
I went to http://faqfaq.net/FreeCreditReport.html and signed up for their service.
It took like 3 minutes! They give you 7 Days for Free to try the service.
So I just canceled the next day after printing out everything I needed.
Easy and Free.

By: catzrme

catzrme — Thu, 29 Oct 2009 12:13:43 +0000

By federal law, you get one free credit check per year. Go to http://www.annualcreditreport.com. It is free!

By: Celeste

Celeste — Thu, 29 Oct 2009 06:55:07 +0000

AnnualCreditReport.com is the only government approved site to receive your free credit reports.
Under the FACT Act you’re allowed one free report per bureau, once every 12 months.
It is free; no sign up for monitoring services or credit card required.
However, your score is not free but is available for purchase once you’re accessed the free report.
Leo is misinformed, it does not take 7-10 days to receive this information or you have to ‘jump through hoops’.
Access to your reports is instantaneous.

By: rhsaunde

rhsaunde — Thu, 29 Oct 2009 02:04:11 +0000

You can get a free peek once a year. My own view is that anytime someone gets a credit report on you, you should get a copy.