Why Do You Have To Pay For A Free Credit Report?

By admin - Last updated: Tuesday, September 29, 2009 - Save & Share - 13 Comments
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Every credit website I’ve been to wants me to subscribe to a monthly plan….what happened to my FREE credit report!!!!?????? How do I actually get a free report without paying….?

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13 Responses to “Why Do You Have To Pay For A Free Credit Report?”

Comment from jannie
Time September 30, 2009 at 3:30 am

if it’s an online ad then it will not be free

Comment from Steve M
Time September 30, 2009 at 9:53 am

Everyone is entitled to a free credit report once a year. Try this site:

Comment from Jim K
Time September 30, 2009 at 11:17 am

Go to a bank and they will do it for free.

Comment from Mary W
Time September 30, 2009 at 12:57 pm

i didn’t subscribe to anything when i did mine. A lot of times you can get the report but you have to pay a few bucks to see your score.
If you really want to get away with seeing your credit report for free, call up a mortgage company and apply for a loan and act like you’re buying a place and you want to get prequalified. They’ll pull your credit and give you the report. It’s a little dishonest to do that, but not illegal or anything.

Comment from billysim
Time September 30, 2009 at 1:10 pm

annualcreditreport.com

Comment from gear jammer
Time September 30, 2009 at 7:06 pm

because your not going to the real sites i got tied up in this also one of the girls where i bank at told me the sites to go to. there are 3 major credit reporting that stores and car dealer ships and credit card companys deal with. the goverment passed a law last yr were u can go to either of these and request your credit report and they will give it to u and u can do this once a yr.

Comment from flavor-f
Time September 30, 2009 at 11:44 pm

annual creditreport.com

Comment from Luckys Charm
Time October 1, 2009 at 4:41 am

Don’t subscribe to this service.
Last year, Congress passed a law giving every adult 1 (one) free credit report a year. Go to this site:
http://www.annualcreditreport.com or call: 1-877-322-8228.
This other service is a rip-off.

Comment from Malika
Time October 1, 2009 at 5:39 am

Just say no when they try to sell you an extra.
Consumers can order their reports by calling toll-free 877-322-8228 or going to the web address below. I just got mine for free.

Comment from eMale
Time October 1, 2009 at 9:33 am

I got a free credit report, I think it was freecreditreport.com, I could be wrong, The only gave me the report of 1 of 3 credit bureaus and said if I wanted the reports from all 3 which I guess could be different, than I needed to get that monthly plan but I was happy with just getting the one report. If you are denied for anything because of your credit I’ve heard you are supposed to get a free credit report.

Comment from Justaguy
Time October 1, 2009 at 1:53 pm

yes I went there too and it is not free. lol. very irritating and false advertisement. I don’t think there is a free one but good luck. we can keep looking.

Comment from Ginnykit
Time October 1, 2009 at 3:41 pm

freecreditreport.com

Comment from Anonymous
Time October 1, 2009 at 7:06 pm

FREE for your report BUT CHARGE for the SERVICES!!

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