Using creditor letters to get free reports

[Anonymous]

I need to pull my credit reports.  I haven't used annualcreditreport.com in over a year, but I have gotten a couple credit card letters from getting less than optimum interest rates or denials that say I am now entitled to see my report free. I think I can get all 3 free using those letters.  Should I do that and save annualcreditreport.com for a couple months or does it not work that way?

[Anonymous]

Credit report access due to AA is independent of the free annual reports.

[takeshi74]

Scores and reports are two entirely different things.  You can certainy get reports due to AA directly from the CRA's but scores are not part of that.

---

@Anonymous wrote:

Should I do that and save annualcreditreport.com for a couple months or does it not work that way? 

---

If you want to retain your annual pulls, yes.

[olehammer]

Note that you don't get scores from either route you are proposing. I get free reports due to AA all the time!