topic Re: When can you get your free reports? in General Credit Topics

When can you get your free reports?

creditnocash — Sun, 14 Oct 2012 23:03:56 GMT

im not sure if this is the right thread to post this in but im curious?

does it reset jan 1st? or 1 year after you pulled them?

Re: When can you get your free reports?

laz98 — Sun, 14 Oct 2012 23:52:13 GMT

I believe it's a year after you pulled them, but I could be wrong.

Re: When can you get your free reports?

Revelate — Mon, 15 Oct 2012 00:00:11 GMT

I think it's every calendar year actually. I pulled some of my credit reports via the annualcreditreport interface in late 2011, and then pulled the same reports again in March/August respectively I think but I'll need to check my saved statements to remember which I got from where.

Re: When can you get your free reports?

creditnocash — Mon, 15 Oct 2012 00:38:35 GMT

thats what i mean. i believe i pulled them early jan mabye december (all three at once) and in july it told me i already got them.

so im thinking that its calender year.

Re: When can you get your free reports?

Anonymous — Tue, 16 Oct 2012 03:53:19 GMT

It's once a year, per bureau. Date of pull to one year from date of last pull, per.

I stagger mine (and I'm assuming we're talking about annualcreditreport.com).

I'll pull one, then 4 months later pull another, wash, rinse, repeat.

No scores, of course, but they don't matter much anyways if you play the game straight. The scores take care of themselves, regardless of flavor.

Hope this helps!

Re: When can you get your free reports?

creditnocash — Tue, 16 Oct 2012 04:06:32 GMT

@Anonymous wrote:
It's once a year, per bureau. Date of pull to one year from date of last pull, per.

I stagger mine (and I'm assuming we're talking about annualcreditreport.com).

I'll pull one, then 4 months later pull another, wash, rinse, repeat.

No scores, of course, but they don't matter much anyways if you play the game straight. The scores take care of themselves, regardless of flavor.

Hope this helps!

so if i pulled in december i can pull again in dec?

in that case ill be pulling the 1st of jan so i can remember it lol.

is there anyway to find out when you last pulled?

Re: When can you get your free reports?

Anonymous — Tue, 16 Oct 2012 15:26:41 GMT

Yes, there is.

Make a documents folder on your computer for online credit reports. Label them as you wish, but for the annual reports, make a subfolder for each of the big three bureaus,

When you pull one, label it with the date for that pdf.

When you want to pull it again, you already know, exactly, when your last pull for that bureau occured.

Hope this helps somewhat.

Re: When can you get your free reports?

creditnocash — Wed, 17 Oct 2012 02:33:24 GMT

@Anonymous wrote:
Yes, there is.

Make a documents folder on your computer for online credit reports. Label them as you wish, but for the annual reports, make a subfolder for each of the big three bureaus,

When you pull one, label it with the date for that pdf.

When you want to pull it again, you already know, exactly, when your last pull for that bureau occured.

Hope this helps somewhat.

true. but this doesn't help me at the moment.

thanks for the answers. ill be trying on the 1st of jan for all 3 =)

Re: When can you get your free reports?

bettercreditguy1 — Sun, 21 Oct 2012 12:10:32 GMT

I know you said free reports. However if you just want a report with no fico you can purchase tri merged reports for around $ 20.00 or soor individually from each major credit reporting agency.

Re: When can you get your free reports?

HiLine — Wed, 19 Dec 2012 23:15:15 GMT

Each time you apply for credit, you're entitled to more free reports.

Re: When can you get your free reports?

creditnocash — Thu, 20 Dec 2012 00:25:48 GMT

@HiLine wrote:
Each time you apply for credit, you're entitled to more free reports.

how do you figure? besides the score you get you really dont get anything....

plus an additional hard pull unless your an amex cardholder (which i am)

Re: When can you get your free reports?

HiLine — Thu, 20 Dec 2012 00:44:18 GMT

@creditnocash wrote:
@HiLine wrote:
Each time you apply for credit, you're entitled to more free reports.
how do you figure? besides the score you get you really dont get anything....
plus an additional hard pull unless your an amex cardholder (which i am)

Unless they give you a card with the absolute lowest APR, they will include in their letter a paragraph saying which CRA they pulled the credit report from and you can request a free credit report from that agency. Pick up any credit decision letter and you'll see the paragraph. It's pretty easy to see.

Re: When can you get your free reports?

Anonymous — Thu, 20 Dec 2012 01:36:15 GMT

@creditnocash wrote:
@Anonymous wrote:
It's once a year, per bureau. Date of pull to one year from date of last pull, per.

I stagger mine (and I'm assuming we're talking about annualcreditreport.com).

I'll pull one, then 4 months later pull another, wash, rinse, repeat.

No scores, of course, but they don't matter much anyways if you play the game straight. The scores take care of themselves, regardless of flavor.

Hope this helps!

so if i pulled in december i can pull again in dec?

in that case ill be pulling the 1st of jan so i can remember it lol.

is there anyway to find out when you last pulled?

I think it is every year from the date pulled the previous year.

The CRs will show the date that you pulled it in the SP section. Like TU even adds a statement like "FACTACT Free Disclosure." next to the SP of date that you got your free CR.

So if you have your CRs you can look for the SP date and statement, then you will know when you pulled your free report.

Re: When can you get your free reports?

RobertEG — Thu, 20 Dec 2012 08:59:01 GMT

The statutory mandate is once every 12 months, and is a rolling window based on your last free report.

The requirement for a free report flowing from an app for credit comes about if you are either denied or offered credit at less favorable terms, and lasts for ninety days from the date of denial or offer for less favorable terms. The creditor does not provide the free report, it must be directed to the CRA along with a copy of the denial letter within that period to be redeemed.