topic Re: Equifax credit report viewing in General Credit Topics

Equifax credit report viewing

Anonymous — Mon, 21 Jul 2014 03:59:40 GMT

Alright so if it isn't hard enough to view my equifax credit report, going through hoops visible miles away, needing to verify questions that make no sense and have no connection to me. I stumbled apon there 3 full credit report for Transunionn, Experian and EQ. It was free for a week free trial. I figured that is nice it says I can cancel within the week if I didn't want to be charged on the 7th day. So the day after I called and canceled. Called back a few days later to make sure it was canceled because I kept getting alerts about my credit report and tips and such. They couldn't find the account and said I would not be charged. So, day 7 look on capital one's app, 17.95 from equifax, they check and can't find the account, refuse refund, tell me to open a dispute with capital one, we'll see how that goes, FAIR WARNING EQUIFAX SUCKS!!!!!

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:02:56 GMT

@Anonymous wrote:
Alright so if it isn't hard enough to view my equifax credit report, going through hoops visible miles away, needing to verify questions that make no sense and have no connection to me. I stumbled apon there 3 full credit report for Transunionn, Experian and EQ. It was free for a week free trial. I figured that is nice it says I can cancel within the week if I didn't want to be charged on the 7th day. So the day after I called and canceled. Called back a few days later to make sure it was canceled because I kept getting alerts about my credit report and tips and such. They couldn't find the account and said I would not be charged. So, day 7 look on capital one's app, 17.95 from equifax, they check and can't find the account, refuse refund, tell me to open a dispute with capital one, we'll see how that goes, FAIR WARNING EQUIFAX SUCKS!!!!!

I agree they are very sketchy. You can try and dispute thru your credit card company. I have ranted many times about how you can't get your free credit reports from them because your "info" doesn't match, but if you want to buy one of their products magically all your information is valid.

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:04:42 GMT

Sounds like a scam, how can they charge an account that doesent exist? Sorry to hear

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:09:44 GMT

Sounds like a scam, how can they charge an account that doesent exist? Sorry to hear

@Mongstradamus Wow thats funny you say that. I thought I was the only one.

Had no problem with TU and EX but as soon as I try EQ I get my info is not valid? I think I know my own life Equifax!

Re: Equifax credit report viewing

Anonymous — Mon, 21 Jul 2014 04:10:20 GMT

My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:12:29 GMT

@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now

I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:14:05 GMT

@TheFate wrote:
Sounds like a scam, how can they charge an account that doesent exist? Sorry to hear

@mongstradamus Wow thats funny you say that. I thought I was the only one.

Had no problem with TU and EX but as soon as I try EQ I get my info is not valid? I think I know my own life Equifax!

Yeah Its happens to everybody. You can get your free report but it won't show up online. What is this 1999. EX and TU i can have it show up online and then i can save it as pdf on to my computer , but EQ has to send me 20 pages wasting paper and killing so many trees:-(

Re: Equifax credit report viewing

Anonymous — Mon, 21 Jul 2014 04:14:32 GMT

I agree and do use the free ones, but equifax had so much info, way more than any of the free ones had. Listed so much info. From phone numbers listed on credit card files to employer name and phone number. Nice report

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:17:51 GMT

@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.

Quizzle offers free EQ report

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:19:47 GMT

@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report

its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:21:32 GMT

@Anonymous wrote:
I agree and do use the free ones, but equifax had so much info, way more than any of the free ones had. Listed so much info. From phone numbers listed on credit card files to employer name and phone number. Nice report

Yeah Credit reports directly from the reporting agencies are the most thorough. If you are getting charged for something where you don't get what you are paying for is another story.

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:21:42 GMT

@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(

Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:25:09 GMT

@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?

Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:27:04 GMT

@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?
Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.

BTW where are you getting your EX free reports once a month?

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:30:15 GMT

@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?
Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.
BTW where are you getting your EX free reports once a month?

Well for ex i was denied an while ago for an CLI, so you get free report, I don't think it ever ends. As for scores i only get fako ones from credit.com and credit sesame.

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:35:10 GMT

@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?
Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.
BTW where are you getting your EX free reports once a month?
Well for ex i was denied an while ago for an CLI, so you get free report, I don't think it ever ends. As for scores i only get fako ones from credit.com and credit sesame.

It ends unless you get approved.

I get my EX report daily pulls for only $5 a month thru Freecreditreport

TU free reports twice a month thru CreditKarma

But no go on the Equifax, only 3 times a year

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 04:49:39 GMT

@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?
Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.
BTW where are you getting your EX free reports once a month?
Well for ex i was denied an while ago for an CLI, so you get free report, I don't think it ever ends. As for scores i only get fako ones from credit.com and credit sesame.
It ends unless you get approved.

I get my EX report daily pulls for only $5 a month thru Freecreditreport
TU free reports twice a month thru CreditKarma
But no go on the Equifax, only 3 times a year

For ex I have been getting same cr every day since I was declined for an Walmart CLI back in March. Credit karma only updates scores for me every week.I don't really need my credit reports every week since there isn't anything on there that is negative.

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 04:55:10 GMT

@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?
Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.
BTW where are you getting your EX free reports once a month?
Well for ex i was denied an while ago for an CLI, so you get free report, I don't think it ever ends. As for scores i only get fako ones from credit.com and credit sesame.
It ends unless you get approved.

I get my EX report daily pulls for only $5 a month thru Freecreditreport
TU free reports twice a month thru CreditKarma
But no go on the Equifax, only 3 times a year
For ex I have been getting same cr every day since I was declined for an Walmart CLI back in March. Credit karma only updates scores for me every week.I don't really need my credit reports every week since there isn't anything on there that is negative.

Do you request it everyday?

Don't they mail you your report when declined and its requested?

Re: Equifax credit report viewing

mongstradamus — Mon, 21 Jul 2014 05:04:06 GMT

@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@TheFate wrote:
@mongstradamus wrote:
@Anonymous wrote:
My response was, I I'm going to get charged, at least give me am account to see and use if I'm being charged, 17.95$ isn't bad for all three credit monitoring everyday. But they can forget my business for the future now
I suppose it isn't bad but you can get 2 of the 3 for free, if we are just talking about monitoring. EQ is the only that doesn't offer and free monitoring services. Thats part of the reason why i signed up for SW here, because there were no other options for EQ monitoring.
Quizzle offers free EQ report
its only twice an year, and their monitoring costs extra i believe. I need something at least once an month :-) Talking about quizzle i just pulled my quizzle report the other day its lower than my EQ08 score :-(
Yea its only twice a year, but it's free lol

Thats odd, its usually higher. How far are your points offset?
Its in my sig. maybe ten or eleven points different not the end of the world. None of the cc i want pull EQ so it doesn't effect me that much lol. They all pull EX and TU. Before my next app i am probably going to have to pull EX08 score to see what my score is like. I pulled it before my last app in may and was much lower than EQ and TU.
BTW where are you getting your EX free reports once a month?
Well for ex i was denied an while ago for an CLI, so you get free report, I don't think it ever ends. As for scores i only get fako ones from credit.com and credit sesame.
It ends unless you get approved.

I get my EX report daily pulls for only $5 a month thru Freecreditreport
TU free reports twice a month thru CreditKarma
But no go on the Equifax, only 3 times a year
For ex I have been getting same cr every day since I was declined for an Walmart CLI back in March. Credit karma only updates scores for me every week.I don't really need my credit reports every week since there isn't anything on there that is negative.
Do you request it everyday?

Don't they mail you your report when declined and its requested?

No I just log on to experian site and put in report number and it updates my experian report. Log in once a week maybe. I also have free experian monitoring from when target got hacked. They offered free year of protect my id

Re: Equifax credit report viewing

TheFate — Mon, 21 Jul 2014 15:31:35 GMT

@mongstradamus wrote:
No I just log on to experian site and put in report number and it updates my experian report. Log in once a week maybe. I also have free experian monitoring from when target got hacked. They offered free year of protect my id

Actually I think Equifax had a bell ringing in their ear.

I just attempted to my pull my report again claiming I got denied credit benefits and it asked more simplified questions and I got my report. But it looks like their's many options on there to choose from. I wonder if you can just claim something new each month