Annual Credit Report.com vs regular reports

[Mekitcat]

Does anyone know if the credit reports you pull from Annual Credit Report.com the same report you would get if you pull right from TU, EX, or EQ site?

(As far as having the same info eg. 2yrs worth of inq's.)

[Anonymous]

The free annual ones are the same with the exception that they also include soft inquiries, also two of them include expected dates when baddies will fall off.  You will be sent to each CRA's website separately to do the pulls.

[Mekitcat]

Thanks for the reply, I guess I asked that question backwards.

I have the reports from annual credit.com . I wanted to know if the regular reports from the big 3 are the same as annual.com

[Anonymous]

I guess I responded backwards... ;-)  I would assume so since I can't imagine they would use different formats but I've never purchased directly from any of them so don't know that for sure.  There are others here that have, however...

[Mekitcat]

Thanks again for the reply.

Its funny I had the thought in my head but I asked it backwards lol

[haulingthescoreup]

Same reports.

The ones that you pull from the sites, if you pull the full ones, also include softs. Softs generally don't show on credit monitoring-type reports, though, the ones that you get when you sign up for a regular service. But Equifax Credit Watch Gold does supply the full reports, with softs.

Just to make sure that you remain slightly confused like all the rest of us. 

[Mekitcat]

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@haulingthescoreup wrote:

Same reports.

The ones that you pull from the sites, if you pull the full ones, also include softs. Softs generally don't show on credit monitoring-type reports, though, the ones that you get when you sign up for a regular service. But Equifax Credit Watch Gold does supply the full reports, with softs.

Just to make sure that you remain slightly confused like all the rest of us.    LOL

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Thanks Hauling