Reply
Blogger
HiLine
Posts: 3,072
Registered: ‎10-19-2012
0

Annual free credit report

Apparently you get a free report from each consumer reporting agency every 12 months, not calendar year, according to this page:

 

http://businessidtheft.org/Resources/PersonalCreditProtection/FreeAnnualCreditReport/tabid/108/Defau...

 

Can someone please verify this? 

Mega Contributor
RobertEG
Posts: 18,122
Registered: ‎03-19-2007
0

Re: Annual free credit report

Yes, it is truly free.

The free report requirement is set forth in the FCRA, and is once every 12 months.  It's a revolving window.

 

Unlike other commercial sites, annualcreditreport.com was established under approval of the FTC as the method for the big three CRAs to comply with the statutotory requirement.  Their reports tend to be more comprehensive than commercial credit reports, most likely due to ensuring they comply with the statutory mandate.

 

However, that is not to say that the site is totally non-commercial.  They also offer credit scores when you log in.

If not interested, you can simply check no, get your free report, and log off.

 

Established Member
BikerMama
Posts: 20
Registered: ‎12-28-2012
0

Re: Annual free credit report

Yes, I ran mine in December 2011 and was not able to run it again until December 2012.




Starting Score: 747
Current Score: 797
Goal Score: 850


Take the myFICO Fitness Challenge

Blogger
HiLine
Posts: 3,072
Registered: ‎10-19-2012
0

Re: Annual free credit report

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Annual free credit report

The FREE Credit Report's come from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Blogger
HiLine
Posts: 3,072
Registered: ‎10-19-2012
0

Re: Annual free credit report


webhopper wrote:

The FREE Credit Report's come from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores


Do you know if these free reports are the same ones sent to creditors when they pull from the CRA's? 

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Annual free credit report


HiLine wrote:

webhopper wrote:

The FREE Credit Report's come from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores


Do you know if these free reports are the same ones sent to creditors when they pull from the CRA's? 


The information is the same...  creditors may want the report in a certain format, that is something that can be industry specific.  furthermore, the way they score your credit report can use an industry specific scoring model... such as an auto enhanced or credit card enhanced scoring model, which gives more weight to certain types of history on certain types of accounts.  Otherwise, yes, the information is the same..  formatting is not as important as the actual data itself

 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Annual free credit report

Actually it's more detailed then the ones that creditors can pull.  You can see the soft inquiries whereas the creditors cannot.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Blogger
HiLine
Posts: 3,072
Registered: ‎10-19-2012
0

Re: Annual free credit report


webhopper wrote:

HiLine wrote:

webhopper wrote:

The FREE Credit Report's come from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores


Do you know if these free reports are the same ones sent to creditors when they pull from the CRA's? 


The information is the same...  creditors may want the report in a certain format, that is something that can be industry specific.  furthermore, the way they score your credit report can use an industry specific scoring model... such as an auto enhanced or credit card enhanced scoring model, which gives more weight to certain types of history on certain types of accounts.  Otherwise, yes, the information is the same..  formatting is not as important as the actual data itself

 


I asked that question because I know my annual free Equifax report contains more information than my Score Watch Power Report does, and was suspecting if there is yet another level of credit report that is even more detailed.

 

Thanks webhopper and Shogun for responding!  


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}