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

[sariandra]

I used to work for Discover Card. I know they prey on the young and the old, especially.

When the demon wants to be fed, all you can do is blow it up with a pipebomb.

[the_rocklobster]

=(

Hi, Katastic.

Hi, Ene. The credit card companies got me, too. Woe.

rambly reply

[mythagon]

when I wanted my credit score, i did the whole thing online and was able to print it out. The only thing working against me at the time was a lack of credit history, but I'm hoping that my mortgage and 2 more years of using my card will have cleared that bit up.

Though as someone who knows about FICO scores, I can also say that they are crap, but at this point in time they are the best option out there.

And yeah, credit companies totally try and prey on people. I am still trying to figure out why I get a captial one offer every week even though I have never responded to anything they have ever sent me. I really should call them and tell them to stop it, or I'll get their ass for harassment.

I did, however, sign up for a shiny new REI Visa the other day, which will take the place of my old bank of america Visa, as the REI Visa will actually give me things when I use it and the B of A one does not. Stupid B of A.

[lemerde]

Mass mailings had a 3% yield in 1975, and slowly it has dropped off. Mailings generally cost about 25-50 cents per. I wonder how their profits would do without the spam.

Credit card companies treat you precisely like a drunk sorority girl at a party. No means yes. Yes means bring friends.

Re: rambly reply

[autechrevines]

I did the freecreditreports.com and apparently by getting the free credit report I automatically was signed up for some rediculous program that costs $80 a month...i called the bank and they cancelled the charge and told me i didn;t have to pay it thank god

Re: rambly reply

[retronami]

Exactly! It's this crazy scam!

But www.annualcreditreport.com is a gov site and if you go through them to Experian, it might work out. That's where I finally got mine and I don't think I got signed up for any annoying club/money grubber.

[genicon]

I got one once, but be damned if I can recall where...

[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

[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.

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