Three Questions

[BluMoon]

1.  I know you can receive a credit report from each of the credit reporting agencies once a year.  Does this mean once a calendar year or once within a 365 day time frame?  In other words, I get my free credit report from Equifax on March 3rd, 2012.  Does that mean I can get another one from Equifax on Jan. 1st, 2013 or March 3rd, 2013?

2.  You can access your credit report and credit score through myFICO.  Later, can you still get a free credit report through annualcreditreport.com?

3.  If you have a security freeze on your account at the credit reporting agency, do you need to lift it before using annualcreditreport.com or can they access your info with the freeze?

Thanks!

[pizzadude]

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@BluMoon wrote:

1.  I know you can receive a credit report from each of the credit reporting agencies once a year.  Does this mean once a calendar year or once within a 365 day time frame?  In other words, I get my free credit report from Equifax on March 3rd, 2012.  Does that mean I can get another one from Equifax on Jan. 1st, 2013 or March 3rd, 2013?       It is once per 365 days, so you can get another report in March 2013.

2.  You can access your credit report and credit score through myFICO.  Later, can you still get a free credit report through annualcreditreport.com?    Yes, MyFICO will sell you a report;  you can still get your free report regardless of what other reports you purchase.

3.  If you have a security freeze on your account at the credit reporting agency, do you need to lift it before using annualcreditreport.com or can they access your info with the freeze?    Yes you can pull your own report even if it is frozen.

Thanks!

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