Free Annual Credit Card Report

[Anonymous]

I just requested the annual free credit report on line and the result was a realy bad organized list of debts with no references. I could not tell if from which company any report was coming from.

[Anonymous]

This is the official site to order your free annual report:

https://www.annualcreditreport.com

any other site promising free annual reports are fake. There is even a warning on the site that there many fake sites claiming to be the offical site.

If you order it from the official site, you get 3 separate reports. The look very different from each other but they are all well organized. Before you get each report it says "you are now going o the Experian site to get your report" "you are now going to the TransUnion site to get your report" etc.

And each company has there name/logo at the top of their report. Is that what you experienced?

[RobertEG]

The FTC officially recognized the site established jointly by the big-3 CRAs at annualcreditreport.com as the official, and ONLY web site, recognized as meeting the free annual report provisions of the FCRA.

As such, it is almost always the most complete report that a consumer can obtain, and is certified by the government as meeting the annual report content provisions.

Other sites that offer "free" reports are required under federal regs to clearly notice that they are not the sanctioned site for complying with the FCRA free annual report mandate.

[firemartinez1980]

is www.FreeCreditReport.com the same thing??

Is there a difference?

[Anonymous]

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@firemartinez1980 wrote:

is www.FreeCreditReport.com the same thing??

Is there a difference?

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No it it not the same thing.

The difference is, that site is from Experian which allows you to get your Experian report. It is just a marketing site to sell you credit products. Experian has dozens of sites like that. You get the EX report for free and then they try to upsell you on other reports and scores.

The annual credit report site allows you to get all three of your reports free annually. Again, there is only one site for this.

[firemartinez1980]

Does this have an effect on your credit score? Will you take a hit by seeing your reports?

[Anonymous]

Nope. You won’t be penalized or experience a score decrease solely by checking your own credit report.