@shane82388 wrote:So i was reading this article and it basically explains how to get $11 credit reports, but theress kind of a trick. You have to go through annualcreditreport.com and act as if your getting your free credit report...assuming you have already accessed them, you then will be offered to buy it instead for a price of $11.
http://money.msn.com/saving-money-tips/post.aspx?post=fcc40df7-da58-4f4f-bb32-08a9f7483382
Thank you for this article! It is specifically written for folks, like me, who have used up their free annual credit report allotment for the year. I particularly liked the "specific instructions" on how to obtain CRs from Experian, Equifax and Transunion:
TransUnion
- Click the tiny "Site Map" link at the very bottom of TransUnion.com. (It's in the middle, sort of.)
- In the lefthand column labeled "Personal," under the section header "Credit Disputes, Alerts and Freezes," click "Credit Reports and Disclosures."
- On the right is a "Convenient online services" box with a link to "Purchase a TransUnion Credit Report."
- This leads you to a form to create an account, after which there is a checkbox about buying your "personal score" for $9.95. Skip it and you'll get the option to purchase a "personal credit report" for $11.
Equifax
- Go to Equifax.com and move your cursor over "Equifax Products" in the upper left, which will present a drop-down menu. Click the last link, "Compare Products."
- Here you'll see a handy list of all the junk you didn't ask for compared side-by-side. What you want isn't even visible as an option yet. Click the red "Single Use Products" tab.
- Now you'll see four more options ranging from $15 to $40, which still don't include just the basic report. Scroll down and find the $9.95 "Identity Report," which is the cheapest option we found.
Experian
Our pro gave up after 15 minutes of hunting for the $11 option. Given the number of links on the front page -- including Experian's highlighted product, which claims to provide your credit report and score for $1, but will auto-bill you $17.95 a month unless you cancel within a week -- we can't blame him. But in terms of the number of steps and clicks, this may actually be the easiest site to navigate once you know where to look.
- On Experian.com, in the bottom left "Products" column, click the first option: credit report.
- You'll get a side-by-side comparison that, unlike Equifax, includes the cheap option on the first page, instead of at the bottom of a second page. On the right you'll see a link to order a $10 "Experian credit check."
Even though I have USSA CMS, I really like to get the FULL CR with ALL the information. Again, thank you for this Shane!
@Anonymous wrote:
@shane82388 wrote:So i was reading this article and it basically explains how to get $11 credit reports, but theress kind of a trick. You have to go through annualcreditreport.com and act as if your getting your free credit report...assuming you have already accessed them, you then will be offered to buy it instead for a price of $11.
http://money.msn.com/saving-money-tips/post.aspx?post=fcc40df7-da58-4f4f-bb32-08a9f7483382
Thank you for this article! It is specifically written for folks, like me, who have used up their free annual credit report allotment for the year. I particularly liked the "specific instructions" on how to obtain CRs from Experian, Equifax and Transunion:
TransUnion
- Click the tiny "Site Map" link at the very bottom of TransUnion.com. (It's in the middle, sort of.)
- In the lefthand column labeled "Personal," under the section header "Credit Disputes, Alerts and Freezes," click "Credit Reports and Disclosures."
- On the right is a "Convenient online services" box with a link to "Purchase a TransUnion Credit Report."
- This leads you to a form to create an account, after which there is a checkbox about buying your "personal score" for $9.95. Skip it and you'll get the option to purchase a "personal credit report" for $11.
Equifax
- Go to Equifax.com and move your cursor over "Equifax Products" in the upper left, which will present a drop-down menu. Click the last link, "Compare Products."
- Here you'll see a handy list of all the junk you didn't ask for compared side-by-side. What you want isn't even visible as an option yet. Click the red "Single Use Products" tab.
- Now you'll see four more options ranging from $15 to $40, which still don't include just the basic report. Scroll down and find the $9.95 "Identity Report," which is the cheapest option we found.
Experian
Our pro gave up after 15 minutes of hunting for the $11 option. Given the number of links on the front page -- including Experian's highlighted product, which claims to provide your credit report and score for $1, but will auto-bill you $17.95 a month unless you cancel within a week -- we can't blame him. But in terms of the number of steps and clicks, this may actually be the easiest site to navigate once you know where to look.
- On Experian.com, in the bottom left "Products" column, click the first option: credit report.
- You'll get a side-by-side comparison that, unlike Equifax, includes the cheap option on the first page, instead of at the bottom of a second page. On the right you'll see a link to order a $10 "Experian credit check."
Even though I have USSA CMS, I really like to get the FULL CR with ALL the information. Again, thank you for this Shane!
No problem. Hope it helps everyone!
It always irks me paying $20 or so for info that is ABOUT ME and inderectly PROVIDED BY ME! So $11 seems great in comparison.
