General Credit Topics

[pat0812]

hello,

i ordered by mail my credit report from experian in august

i got it in the mail 10 days later.

i can view my report also online by logging onto the experian website and typing in the report number 

what is strange is that when i do that, i don't see my august report, it lets me see my current report from october. is that normal ?

shouldn't i be able only to see the report of august ? i see that september is showing up as OK on all my credit lines

So from now on i can access every month this report and it will show me an updated report

how come it's like that ?

[Booner72]

No. The CRA's don't keep old reports for you. So you have to either save them or print them. My advice is to keep copies of all previous credit reports bc you never know what you might need in the future. When you ordered it was August so you got August. It is normal that when you obtain access to CR thru the CRA websites, they show the current most updated report (Unless you are going and checking on an online dispute).

But I'm confused - you say September is showing up "ok" --- do you mean august doesn't have your payment records showing?

[pat0812]

I meant I see the updated on. So from now on I can access the Experian report for free for the rest of my life? Because everytime I log on its shows up the most updated report

[bahbahd]

Shhh, if that is the case you don't want to ruin it.

[Cloudlb]

Be careful, and watch your bank statements.  I ordered a "free" report from Experien (some time ago) and declined the monthly watch feature.  Lo and behold, next bank statement there was a charge for a monthly watch item.  Zing!  I had to call and complain and get them to remove it.  Evil people!