Credit Score, Auto Insurance, Fucking Fuck Fuck Fuck

[retronami]

Has anyone actually ever received a free credit report without having to sign up for some ridiculous identity theft/credit report club?

Comments

[queenpasiphae]

This is probably a bit late for it to be of use, but:

http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

[retronami]

That is helpful! www.annualcreditreport.com is where I went and TransUnion was the company that put me through the ringer with crazy identity questions (which, honestly, an identity theft would have been able to answer better than I could).

Experian was the company (through acr.com) that asked me some useful questions to confirm my identity and gave me an easy to read report.

I didn't try Equifax.

[queenpasiphae]

I just tried getting my free reports, and Experian does seem to be the easiest to use. I'd forgotten my username for Transunion, but once I got that resolved I was able to get the report. Equifax on the other hand...I answered their two questions correctly and it told me that for my protection I couldn't view the report online but I could request it by mail. :/ I'm sort of wondering about that, but everything seems ok with the other two so I'm not too worried.