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Free Credit Report question

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Jungook
Regular Contributor

Free Credit Report question

regarding free credit reports, if I were to pull one from EX will I be able to get another one in January of 2014 or is it a full annual year which would make me wait till December of 2014?

 

Thanks

Message 1 of 5
4 REPLIES 4
coldnmn
Mega Contributor

Re: Free Credit Report question

Full year.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 5
LearningMoreAboutCredit
Frequent Contributor

Re: Free Credit Report question


@Jungook wrote:

regarding free credit reports, if I were to pull one from EX will I be able to get another one in January of 2014 or is it a full annual year which would make me wait till December of 2014?

 

Thanks


Yep.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 3 of 5
Marcos8
Established Contributor

Re: Free Credit Report question

What if you pulled all 3 and then continued to check EX softs is it from the original EX pull or the last?

Message 4 of 5
llecs
Moderator Emeritus

Re: Free Credit Report question


@Marcos8 wrote:

What if you pulled all 3 and then continued to check EX softs is it from the original EX pull or the last?


It would be 12 months from the last pull via annualcreditreport.com; it doesn't matter where else you pulled from, or what services you used.

Message 5 of 5
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