Can I See My Credit Report Free Of Charge?

[Noah_Bodie]

Yes, the FCRA requires that you be given a FREE copy of your CR from all CRAs once every 12 months. The FTC has some very good, concise info on the subject, and I commend it to you.

Here's the law on it: 15 USC 1681j(a)

You can call, write or go online. It is an excellent idea to pull your CR from all 3 CRAs once every 12 months. They even send you an Email reminder that it's time for your free report.

This is the official website established by the Big Three CRAs. It's mostly easy to use. Do not be taken in by other companies that advertise. There is almost certain to be fine print, credit card charges for a subscription to a golfing magazine, or some darned thing. One company associated with one of the Big Three advertises heavily on TV.

You can request your TU and EX reports online and access them online, but I recommend you request a paper copy of EQ by calling or writing. EQ is a bit "online challenged". You can call or write for any, or all 3, for whatever reason. Lotta folks have a basic distrust of accessing such things online. OTOH, others have reported good success with online requests from EQ.

You can also view and dispute your EX report online at one of several links. They don't appear to restrict it so you can access it any time you want.
http://www.experian.com/rs/fi2.html

If either stops working, go here.
http://www.truecredit.com/help/learnCenter/disputing/overview.jsp
TC is a 3 in 1 monitoring service that TU offers. There are two links you can use to dispute with EX. You don't need to subscribe to TC to access it.

For TU, if you want to go back and access your report again, use the ID and password you established.
http://annualcreditreport.transunion.com/

EX will give you a number that you need to write down and remember if you plan to go back and review your CR.

TU will assign a file number to your report, but you won't need it.

It's a good idea to utilize your FACTA requests, even if you use MFSW or TC or some other monitoring service. Original EX and TU reports break down your TLs into good and adverse. The adverse TLs are listed first in their own section. Some other services don't necessarily show this, and it's good information to have in case the TL is somehow flagged as adverse which is not readily apparent to you.

Message Edited by Noah_Bodie on 10-23-2007 07:47 AM

[Tuscani]

Good post.. and remember, disputing via annualcreditreport.com gives the CRAs an extra 15 days to investigate.

 http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=5500&query.id=1200...

[Noah_Bodie]

If you're here, then there's a fair chance you've looked at your reports and scores using one of MyFico's products. Some may have encountered problems disputing inaccurate info with the CRAs because you're using an "unacceptable" copy of your CRs, and the CRAs gleefully offer to sell one to you.

Keep your CC in your wallet. If you have access to a fax machine, fax a dispute to the CRAs. Include a photocopy of your driver's license, SSN card, and for EX include a copy of a recent utility bill.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=22739

Once they conclude their investigation, they will mail you a paper copy of your CR, with one of their confirmation numbers on it should you need to dispute anything further.

[Noah_Bodie]

You can even see your TU FICO score FOC. You just need to apply for and obtain a WAMU CC.

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=3701

I've been happy with my WAMU CC, and I also bank there. They don't nail me with a ton of fees.

They were fairly generous with the CL ($2K for me, $4K for DW). They don't do joint accounts, but since they don't charge an annual fee I figgered might as well each get an individual CC.

[Noah_Bodie]

Since you're here, you might already have purchases your reports through a monitoring service or MyFico. Then you discover something wrong on your CRs, you want to dispute it, but the CRA won't talk to you until you purchase an "official" copy of your CRs.

Well, keep your CC in your wallet and fax them a dispute. You get your dispute lodged for them to investigate, and when they complete the investigation they'll mail you an "official" copy should you find other mistakes.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=22739

[hipgal0825]

You can get a free report if you've applied for anything and been denied.

[fused]

Hi FOUADGIRGUS:

Welcome to the FICO Forums!  I noticed you seem to be having some trouble posting. It is possible to edit your own post if you have posted an incomplete message. To edit your post, go to the post. To the right you'll see "Options." Click on "Options" and select "Edit Message" from the drop-down menu. If you need any help with anything, let me know.  Thanks for your contribution to the FICO Forums!

Fused

[ibdqt34]

?: I know you can see your credit report free of charge but is it the actual score that you have to pay for?

DH did my credit report Feb 2008 but no score was posted. Since that time, I've been working diligently to get those little negatives off (basically not making late payments on anything else and just have time working on my side). I'd like to get another credit report (since it's been over a year since my last one) but I'd like to have the score included because we intend on building a house in the next year or two.

Thanks,

~Cynthia~

[llecs]

Unfortunately, the scores aren't free. The only place where you can pull EQ and TU scores (w/ reports) together is via this website. Unfortunately, EX no longer allows consumers to pull their own FICO score.

Once in a very blue moon, FICO promotions run out there for a free score only for EQ. You'll here about it on here when that happens.