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Annual free credit report?

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pokerpro
Frequent Contributor

Annual free credit report?

Hello Everyone -

 

how do I know if enough time has passed for the one year mark to get another free annual credit report

 

I cannot remember the last time I filed, and I keep getting denied when I try to run it

 

does it reset calendar year? or is it year to day from when you last obtained it - ie - march to march

 

how can a consumer better know

 

thanks

 

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 1 of 5
4 REPLIES 4
myjourney
Super Contributor

Re: Annual free credit report?

A year from your last ....March to March 

If you have last years the date is at the top 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 5
pokerpro
Frequent Contributor

Re: Annual free credit report?

thanks for your input

 

thats where I made a silly mistake

 

I dont have any of the ones from last year, so I have no idea when I actually did it

 

 

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 3 of 5
-Wade-
Valued Contributor

Re: Annual free credit report?


@pokerpro wrote:

thanks for your input

 

thats where I made a silly mistake

 

I dont have any of the ones from last year, so I have no idea when I actually did it

 

 


All you have to do is try and it will let you know if you can get the new one! No harm in trying 

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4 of 5
brother7
Established Contributor

Re: Annual free credit report?

There are 3 CRAs. If you remember which CRA issued your last report, you can request your annual report from one of the other 2 CRAs.



04/01/2020 - EX 849 (Credit Scorecard EX FICO® Score 8, range 300-850)
02/20/2020 - TU 850 (Discover TU FICO® Score 8, range 300-850)
03/24/2020 - EQ 884 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 5 of 5
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