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Free CR: Online vs. Mail-In

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Underh20
Frequent Contributor

Free CR: Online vs. Mail-In

I am going to obtain my free annual credit reports and have the option to get them online or via mail.  I think I heard somewhere that you can only see your soft inquiries on the reports you receive from them in the mail. 

 

Are there any differences at all in the reports you receive online vs. buy mail with the free annual credit report website?

Message 1 of 4
3 REPLIES 3
llecs
Moderator Emeritus

Re: Free CR: Online vs. Mail-In

I always get mine online and see the extra stuff like soft inquiries, more payment history, better contact info, drop off dates, demographics, and so on.
Message 2 of 4
BungalowMo
Senior Contributor

Re: Free CR: Online vs. Mail-In

That's weird, because my mailed copies always tell me more... 

 

Like on EX...I get the list of dates & amts paid to a certain acct.  Just to name one thing I don't get online.

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 3 of 4
nothingman02
Valued Contributor

Re: Free CR: Online vs. Mail-In

EX would give you the dates and balances on your mail-in report. But not a whole lot else. Theres a lot more to reports which includes all the past addresses, soft inquiries, past balances carried etc etc which you only get online.

And even the dates and balances for each account which you mention, I you get them online as well. I believe I have that information for a CO account both online and on the mail-in report which I received from a dispute.

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