Where to get free yearly credit reports?

Anonymous · ‎02-08-2016

Is annualcreditreport.com really where you get your free yearly reports?

Anonymous · ‎02-08-2016

@Anonymous wrote:
Is annualcreditreport.com really where you get your free yearly reports?

Yes, that's the place.

Anonymous · ‎02-08-2016

@Anonymous wrote:
@Anonymous wrote:
Is annualcreditreport.com really where you get your free yearly reports?
Yes, that's the place.

It's says I already got my free reports but the last time I requested my free reports was four years ago

Anonymous · ‎02-08-2016

That in itself is a serious concern. If you are sure that the last time you could have requested your credit reports is four years ago, it at least suggests that an unauthorized person has been using ACR in the last 12 months to access your reports.

ACR has a button on its site that reads CONTACT US. If I were you, I would reach out to them and explain the situation at once.

In the meantime, I observe that you also use Credit Karma. CK will give you access to your EQ and TU reports as often as once a week.

Anonymous · ‎02-08-2016

@Anonymous wrote:
That in itself is a serious concern. If you are sure that the last time you could have requested your credit reports is four years ago, it at least suggests that an unauthorized person has been using ACR in the last 12 months to access your reports.

ACR has a button on its site that reads CONTACT US. If I were you, I would reach out to them and explain the situation at once.

In the meantime, I observe that you also use Credit Karma. CK will give you access to your EQ and TU reports as often as once a week.

I tried the "Contact Us" and called there 800 number to no avail. You have very few options and pressing 0 does nothing.

takeshi74 · ‎02-09-2016

Try contacting each CRA directly.

@Anonymous wrote:
It's says I already got my free reports but the last time I requested my free reports was four years ago

...and make sure you're regularly reviewing your reports. I'd suggest at least once a year.