Re: OT-Free Credit Report for yourself


"tscottme" <blahblah@xxxxxxxx> wrote in message
news:eP6dnbfDf8BHBeXanZ2dnUVZ_jSdnZ2d@xxxxxxxxxxxxxx
https://www.annualcreditreport.com/cra/index.jsp

The link above, annualcreditreport.com is the only authorized web site
which gives consumers their own credit report free of charge.
AnnualCreditReport.com is a cooperative effort of the 3 credit bureaus to
reduce the chance consumers will hand over their personal info to a bogus
web site which promises free credit reports. There is one web site with a
similar name, that is advertising all over radio and TV, which claims to
give you a free credit report. They will give you a free report if you
sign up for a monthly subscription fee to "monitor your credit." Do not
use freecreditreport.com thinking that is the free site, it is not.

Except for a few states all consumers are entitled to one free credit
report from each credit bureau every year. In Georgia, you are entitled
to 2 free credit reports from each bureau each year. Other states have
other laws, but you should be able to get one report from each bureau each
year at a minimum. If you are extra cheap and extra paranoid you can get
a free report every 4 months and all of them are free. This requires that
you get a free report from one credit bureau, Trans Union for example, and
then 4 months later get a free report from another bureau, Experion for
example. 4 months later you get a free report from another bureau,
Equifax for example. Doing this you'll have frequent and fresh credit
reports on hand and since the 3 bureau reports are very similar in most
cases you should get plenty of warning if anyone is using your credit
without permission.

If you have been refused credit or if you have been the victim of ID theft
and have a police report you are entitled to a free report even if you
have already received a free report during the year. If you are planning
on buying a house you want to check your credit reports at least 6 months
before you start applying for a mortgage so you will have time to remove
any false info contained in your file. Many mortgage lenders will not
loan you money until any deliquent debts which appear on your report are
cleared up. It's a lot less stress to clean up a report before you try to
buy a house than rush to clean your report before the closing date.

--

Scott

Growing corn to make ethanol to fuel a car is like heating your house by
burning money in your fireplace. Yes, it can be done but it makes no
economic sense.


Good advice. Don't fall for the website freecreditreport.com - they are
scam artists.


.

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