topic Re: How to keep getting the newest credit report without paying in General Credit Topics

How to keep getting the newest credit report without paying

mousefai — Thu, 14 Nov 2013 16:40:44 GMT

Hi folks,

as you have all known, your credit report only lasts 3 months if you wanted to dispute something on your credit report. After 3 month, even you wanted to dispute, the system will say your report number expire and asked you to have a new one (not all people can coz there is only 1 free per year).

however my friend told me a better way without getting another report. and he said it works for all 3 CRA.

1st, try to login using the report number you have to each CRA.

2nd, try to start a new dispute (dont do if your report is ok)

3rd, key in your report number.

4th, review your report (you should able to)

then here is the trick, once you review your report, the report date is reflect as of current day. Then your report date will start counting now til 3 months after.

anybody tried this method to keep refreshing their report, so you dont have to wait for a year?

let me know.

Re: How to keep getting the newest credit report without paying

mousefai — Sat, 16 Nov 2013 15:50:39 GMT

anyone?

Re: How to keep getting the newest credit report without paying

DaveSignal — Sat, 16 Nov 2013 19:02:09 GMT

I would be surprised if you are able to use that method indefinitely. I bet it stops working at some point. Besides, I don't think it is the morally right thing to do. Most of us that are into this credit tracking hobby have legit ways to get our reports frequently using a credit monitoring service. I have used both USAA and EIDT for daily pulls (now using EIDT), and am quite happy with it.

Re: How to keep getting the newest credit report without paying

Anonymous — Sat, 16 Nov 2013 20:23:37 GMT

@mousefai wrote:
Hi folks,

as you have all known, your credit report only lasts 3 months if you wanted to dispute something on your credit report. After 3 month, even you wanted to dispute, the system will say your report number expire and asked you to have a new one (not all people can coz there is only 1 free per year).

however my friend told me a better way without getting another report. and he said it works for all 3 CRA.

1st, try to login using the report number you have to each CRA.
2nd, try to start a new dispute (dont do if your report is ok)
3rd, key in your report number.
4th, review your report (you should able to)

then here is the trick, once you review your report, the report date is reflect as of current day. Then your report date will start counting now til 3 months after.

anybody tried this method to keep refreshing their report, so you dont have to wait for a year?

let me know.

This would be viewed as unethical under the TOS of the forums.

Re: How to keep getting the newest credit report without paying

mousefai — Sun, 17 Nov 2013 00:43:16 GMT

to all,

i currently also use eidt to keep track my credit report.

however, let said something came up in ur report and it wasnt yours. And you have just took out your free credit report which past the 3 months deadline.

then you have to pay to to get a credit report, if you want to dispute anything from it.

to me, if the report was some vital infomation belongs to us, why only 1 per year. why not just unlimited per year.

if cra hv to charge for doing this, i dont think is ethical fair too.

and beside, is not like we are killing or stealing something. we are just getting something we should have for free, instead of paying.

Re: How to keep getting the newest credit report without paying

Anonymous — Sun, 17 Nov 2013 00:53:21 GMT

@mousefai wrote:
to all,

i currently also use eidt to keep track my credit report.

however, let said something came up in ur report and it wasnt yours. And you have just took out your free credit report which past the 3 months deadline.

then you have to pay to to get a credit report, if you want to dispute anything from it.

to me, if the report was some vital infomation belongs to us, why only 1 per year. why not just unlimited per year.

if cra hv to charge for doing this, i dont think is ethical fair too.

and beside, is not like we are killing or stealing something. we are just getting something we should have for free, instead of paying.

That is one of the ways the CRAs make money. By selling reports to the consumers.

And it is not our decision to decide what we get for free or not.

The reports we get from annualcreditreport.com are what the federal law authorized and they established the guidlines along with your state laws. State laws may say you can get more than one.

Re: How to keep getting the newest credit report without paying

mousefai — Sun, 17 Nov 2013 01:15:40 GMT

i mean, checking error on our credit report i think it should be same as checking your property estimates or checking your credit card statement for free.

as it is such a vital infomation when it comes to any kind of loans, and nowday a lot of people do have id theft/fraud problem on their card.

i think is jsut people getting used that cra charged when getting mroe then 1 per year. i think they should be free no matter what since is our personal infomation.

not to be rude, just sharing thoughts.

Re: How to keep getting the newest credit report without paying

Anonymous — Sun, 17 Nov 2013 01:23:21 GMT

I understand, I just didn't make the laws.

Re: How to keep getting the newest credit report without paying

Lechte — Tue, 24 Dec 2013 09:55:24 GMT

My understanding...when buying a 1 time report...that report exists for viewing for 30 days...and is only updated at time of purchase. Same goes with the free annual report. But...if you dispute with EQ and EX...when the dispute is completed, you can access your report via your confirmation number for 30 days..and that report is updated everytime you view it. TU is different I think...you can view a copy of your CR once the dispute is complete, but it is only updated once. I see no issues ethically by taking advantage of a free 30 day updated CR after the fact that you have disputed something...as for disputing something just for the sake of gaining access...well opinions vary.

Re: How to keep getting the newest credit report without paying

Anonymous — Tue, 24 Dec 2013 17:29:31 GMT

@Lechte wrote:
My understanding...when buying a 1 time report...that report exists for viewing for 30 days...and is only updated at time of purchase. Same goes with the free annual report. But...if you dispute with EQ and EX...when the dispute is completed, you can access your report via your confirmation number for 30 days..and that report is updated everytime you view it. TU is different I think...you can view a copy of your CR once the dispute is complete, but it is only updated once. I see no issues ethically by taking advantage of a free 30 day updated CR after the fact that you have disputed something...as for disputing something just for the sake of gaining access...well opinions vary.

Yes, opinions may vary, however, it is a violation of the TOS of the forums. And everyone has to abide by the TOS.

Re: How to keep getting the newest credit report without paying

Lechte — Fri, 27 Dec 2013 12:40:38 GMT

@Anonymous wrote:
@Lechte wrote:
My understanding...when buying a 1 time report...that report exists for viewing for 30 days...and is only updated at time of purchase. Same goes with the free annual report. But...if you dispute with EQ and EX...when the dispute is completed, you can access your report via your confirmation number for 30 days..and that report is updated everytime you view it. TU is different I think...you can view a copy of your CR once the dispute is complete, but it is only updated once. I see no issues ethically by taking advantage of a free 30 day updated CR after the fact that you have disputed something...as for disputing something just for the sake of gaining access...well opinions vary.
Yes, opinions may vary, however, it is a violation of the TOS of the forums. And everyone has to abide by the TOS.

I understand that...I'm not advocating, or even suggesting that anybody do that. I was just trying to contribute information without condemning..who am I to tell someone something isn't ethical, when in fact it's not even illegal? You and I may see it as unethical or just downright stupid, but our opinion isn't valid if it doesn't pertain to something actually occuring on this forum. You, as a moderator, have a responsibility to uphold and to make sure others abide by the TOS of this forum, and I completely respect that. Whatever this forum deems unethical should not be discussed on this forum...but that's about the extent of it. That is my 2 cents...i'm not here to stir up anything, just defending my post... and I mean no disrespect to you Guiness...you have offered some good advice to me since i've been here and I appreciate that. I hope there's no hard feeling. If there is anything in this post that you believe is out of line...feel free to delete.

Re: How to keep getting the newest credit report without paying

mousefai — Fri, 27 Dec 2013 13:14:55 GMT

i just kinda curious why people said it is unethical to view something that it is supposed to be yours for free. I mean, this is like checking your driving records (no fee) or checking your credit card statement (no fee). the ssn was given to us for use and we were supposed to safeguard it. By correcting the the mistakes and disputing the error, we are to do what we suppose to do.

in some time, the cra chose to charge us some cash when we decided to see the credit report. come on, this is like "i haven taken your freedom of speech and before you say a word in this word, please pay".

I have no clue why people said it is wrong and unethical when somehting is ours.

Re: How to keep getting the newest credit report without paying

mousefai — Fri, 27 Dec 2013 13:16:15 GMT

btw, u dont really need to dispute anything.

once u login, the time automated update to the current time.

Re: How to keep getting the newest credit report without paying

takeshi74 — Fri, 27 Dec 2013 13:46:56 GMT

@Lechte wrote:
You and I may see it as unethical or just downright stupid, but our opinion isn't valid if it doesn't pertain to something actually occuring on this forum. You, as a moderator, have a responsibility to uphold and to make sure others abide by the TOS of this forum, and I completely respect that. Whatever this forum deems unethical should not be discussed on this forum...but that's about the extent of it. That is my 2 cents.

You're certainly free to have your opinion but the myFICO Forums TOS states that this, among other things, is prohibited:

Discussion of illegal or unethical activities or providing links to other websites containing such information;

What is or isn't ethical does matter regardless of whether it actually occurs on this forum or not according to the text above.

@Lechte wrote:
as for disputing something just for the sake of gaining access...well opinions vary.

Opinions may vary but they're irrelevant. What are relevant are the TOS's of the CRA's. They all have a statement similar to the following that one has to agree to in the dispute process:

I understand obtaining a credit report under false pretenses is a federal crime punishable by incarceration and/or monetary penalties.

If you don't have a valid dispute and you just want to view your credit report then you're doing so under false pretenses.

@mousefai wrote:
i just kinda curious why people said it is unethical to view something that it is supposed to be yours for free

Everyone wants free stuff. That doesn't mean that the stuff in question is free. CRA's charge for credit reports aside from the annual report which is free. While one can certainly disagree and hold the opinion that credit reports should be free that doesn't change reality. I actually share the opinion that credit reports should be free but it's still unethical to mispresent one's situation in order to obtain a free credit report.

Re: How to keep getting the newest credit report without paying

Anonymous — Fri, 27 Dec 2013 15:36:20 GMT

Thread locked and under Moderator/Admin review. guiness56, myFICO Moderator.