free 3 credit reports - score » Credit http://free3creditreports.org get information on credit bureaus Fri, 03 Feb 2012 04:48:26 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Annual Free Credit Report with Security Freeze? http://free3creditreports.org/credit/annual-free-credit-report-with-security-freeze/ http://free3creditreports.org/credit/annual-free-credit-report-with-security-freeze/#comments Sat, 23 Oct 2010 23:31:59 +0000 admin http://free3creditreports.org/credit/annual-free-credit-report-with-security-freeze/
bud68 asked:


Due to a possible compromise of personal information, I placed a security freeze on my credit file at all three bureaus several months ago. I recently went to www.annualcreditreport.com to request my free annual disclosure from Equifax and this is what has ensued:

1. Requested Equifax free annual report using the telephone “touch tone” ordering option. Instead of my report, I received a form letter from Equifax telling me that I had to submit the request in writing to a specific Equifax P.O. box in Atlanta and include my security freeze PIN number. I did so.

3. Instead of my free annual report, I then receive another Equifax letter asking me to resubmit my request to a different P.O. box and include documentation of identity and address (driver license, utility bill, etc.). I did so.

4. Now I received ANOTHER Equifax letter telling me that they received my annual disclosure request but I need to resubmit it via annualcreditreport.com – which is where I started out.

Does anyone know how to awaken Equifax out of this circular loop?

Larry

]]> http://free3creditreports.org/credit/annual-free-credit-report-with-security-freeze/feed/ 1 when u are denied credit in 60 days free credit report, but? buying the score? gets asoft pull?or a hard pull? http://free3creditreports.org/credit/when-u-are-denied-credit-in-60-days-free-credit-report-but-buying-the-score-gets-asoft-pullor-a-hard-pull/ http://free3creditreports.org/credit/when-u-are-denied-credit-in-60-days-free-credit-report-but-buying-the-score-gets-asoft-pullor-a-hard-pull/#comments Thu, 21 Oct 2010 11:57:14 +0000 admin http://free3creditreports.org/credit/when-u-are-denied-credit-in-60-days-free-credit-report-but-buying-the-score-gets-asoft-pullor-a-hard-pull/
wonderer asked:


after u are beeing denined credit u recieve a leltter taht u can request a free copy from that agency withinh 60 days, and doing soo will not show a inquiry on ur account, and a minus 3 on ur score but

but when u chek out over the phone to get ur freee report u are beeing asked if u wanna purchase ur fico score also with the freee report, for 6 dollar feee,

my question is ? doing soo will it be a hard pull with score? purchased, or just a soft pulll like when getting the free report in 60 days?

tahnks

Jessica

]]> http://free3creditreports.org/credit/when-u-are-denied-credit-in-60-days-free-credit-report-but-buying-the-score-gets-asoft-pullor-a-hard-pull/feed/ 3 Credit Reports? http://free3creditreports.org/credit/credit-reports-2/ http://free3creditreports.org/credit/credit-reports-2/#comments Fri, 15 Oct 2010 03:46:45 +0000 admin http://free3creditreports.org/credit/credit-reports-2/
animal_mother asked:


I viewed my free credit report online from Experian. I know I can still request a free credit report from the other 2 companies this year also (TransUnion and Equifax), but would prefer to space them out throughout the year to view changes and updates. My question is will there be a difference in the reports? I know the 3 may give me a different credit score, but will all my accounts with the amounts I owe be consistent? Thanks.

Allan
]]> http://free3creditreports.org/credit/credit-reports-2/feed/ 2 The answer to hundreds of questions: Free Credit Report? http://free3creditreports.org/credit/the-answer-to-hundreds-of-questions-free-credit-report/ http://free3creditreports.org/credit/the-answer-to-hundreds-of-questions-free-credit-report/#comments Thu, 30 Sep 2010 02:34:53 +0000 admin http://free3creditreports.org/credit/the-answer-to-hundreds-of-questions-free-credit-report/
mycreditapply asked:


When I say free, I mean free… no cost, no trial periods, free credit report. You are entitled to one free credit report a year.

In addition, you are also entitled to a free copy of your credit report if you’ve been denied credit, insurance, or employment and request the report within 60 days of notice, or if you can prove that (1) you’re unemployed and plan to look for a job within 60 days, (2) you’re on welfare, or (3) your report is inaccurate because of fraud.

Source: http://www.mycreditapply.com/forum/viewtopic.php?t=64
The form is located on the ftc website, but I could not find it anywhere without this link. google,yahoo,msn, none have a link to this site… it’s like we are not supposed to know, seeing as all the major search engines advertise free credit reports which actually end up costing you money.
no trial period
Found the site link :: http://www.annualcreditreport.com/ & the FTC Form to fill out is located :: http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf

Jackie

]]> http://free3creditreports.org/credit/the-answer-to-hundreds-of-questions-free-credit-report/feed/ 2 Quick 10 points for the best answer? http://free3creditreports.org/credit/quick-10-points-for-the-best-answer/ http://free3creditreports.org/credit/quick-10-points-for-the-best-answer/#comments Mon, 27 Sep 2010 22:49:11 +0000 admin http://free3creditreports.org/credit/quick-10-points-for-the-best-answer/
PaleSnow asked:


I need a free credit report from the 3 credit bureaus that does not ask for any credit card. I need it free. Best answer gets 10 points. Thanks in advance.

Bradley
]]> http://free3creditreports.org/credit/quick-10-points-for-the-best-answer/feed/ 3 How can I clean my credit up? http://free3creditreports.org/credit/how-can-i-clean-my-credit-up/ http://free3creditreports.org/credit/how-can-i-clean-my-credit-up/#comments Sat, 25 Sep 2010 06:43:56 +0000 admin http://free3creditreports.org/credit/how-can-i-clean-my-credit-up/
Somebody asked:


Does anybody know how to get all 3 major credit reports for free. If so please let me know. I am trying to purchase a home and I do not want to have to pay PMI on my loan. Please help me thanks:)

Troy
]]> http://free3creditreports.org/credit/how-can-i-clean-my-credit-up/feed/ 5 Ordered 3-in-1 credit report from transunion, can’t dispute experian and equifax? http://free3creditreports.org/credit/ordered-3-in-1-credit-report-from-transunion-cant-dispute-experian-and-equifax/ http://free3creditreports.org/credit/ordered-3-in-1-credit-report-from-transunion-cant-dispute-experian-and-equifax/#comments Fri, 24 Sep 2010 15:02:57 +0000 admin http://free3creditreports.org/credit/ordered-3-in-1-credit-report-from-transunion-cant-dispute-experian-and-equifax/
kakk333 asked:


Hello, I ordered my 3-in-1 report from transunion.. this cost me $40. There were major errors on all three reports. I was able to do the dispute process online from transunion, but could not find a section to dispute experian and equifax? I tried calling them and they said I would need an official report from then, which I don’t think is fair because I ordered a 3-in-1! What is this some kind of scam?

Also, I had already used up my free reports from annualcreditreport.com 6 months ago, so I am kind of in a bind. Please help!
EDIT: funny how it says ”
You can dispute certain items online with Equifax if you have an active Equifax credit
report file number.

You can also file a dispute with Equifax via mail.

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241″

I can dispute experian, but now I have to buy a report from equifax??

Carol

]]> http://free3creditreports.org/credit/ordered-3-in-1-credit-report-from-transunion-cant-dispute-experian-and-equifax/feed/ 3 Question about free credit score? http://free3creditreports.org/credit/question-about-free-credit-score/ http://free3creditreports.org/credit/question-about-free-credit-score/#comments Tue, 21 Sep 2010 15:06:37 +0000 admin http://free3creditreports.org/credit/question-about-free-credit-score/
James asked:


I’m trying to get my credit score. You can get 3 every year for free. One of them is through equifax, which I have already used in 2009. What are the other two? Don’t say ‘free credit report bc that’s not right, it’s a scam website (more or less)

Keith
]]> http://free3creditreports.org/credit/question-about-free-credit-score/feed/ 3 Free Credit Restoration & Debt Elimination Clients Needed? http://free3creditreports.org/credit/free-credit-restoration-debt-elimination-clients-needed/ http://free3creditreports.org/credit/free-credit-restoration-debt-elimination-clients-needed/#comments Mon, 13 Sep 2010 08:25:41 +0000 admin http://free3creditreports.org/credit/free-credit-restoration-debt-elimination-clients-needed/
Ms. Getoutofdebtlady asked:


Hi my name is Tavarra. I own my own business by the name of Financial Destination Inc. We do Credit Restoration and Debt Elimination and a host of other services. Credit Restoration and Debt Elimination is two of our most popular Products. We are not a scam. I am a woman of God and I do not scam Gods Children. A Credit Repair Company can not charge you any up-front fees. It;s against the law. Actually our Credit Restoration Product is free. We offer other products with your monthly membership. I am a Product of the Product. I was a Real Estate Investor and I had two foreclosures on my Credit. Credit Trax was able to get one of those foreclosures deleted from my Credit Report. Credit Trax also had 3 Credit Cards Deleted from my Credit Report. 2 BOFA Credit Cards with high balances and 1 Chase Credit Card. If you want proof I will send you a copy of my Credit Report. Documentation beats conversation. please visit my website www.fdimember.com/143169 or Call me (909)331-7213 God Bless

Neil
]]> http://free3creditreports.org/credit/free-credit-restoration-debt-elimination-clients-needed/feed/ 2 Question about TransUnion free credit report? http://free3creditreports.org/credit/question-about-transunion-free-credit-report-4/ http://free3creditreports.org/credit/question-about-transunion-free-credit-report-4/#comments Sun, 12 Sep 2010 07:50:53 +0000 admin http://free3creditreports.org/credit/question-about-transunion-free-credit-report-4/ TransUnion website. But I don’t know why it said: Privacy Protection The Identity Security System isn’t able to confirm your identity. Explanation: The Identity Security System confirms your identity through a series of [...]]]>
Ben L asked:


Question about TransUnion free credit report?
Hi everyone, I try to get a free credit report on annualcreditreport.com —-> TransUnion website. But I don’t know why it said:

Privacy Protection
The Identity Security System isn’t able to confirm your identity.

Explanation:
The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process.

What to do:
Please return to annualcreditreport.com and order your Personal Credit Report by phone or mail.

I am sure all the information I enter is correct and I tried 6 times already, but I got the same message. I don’t want ot order by mail and phone, because I need to wait 2 -3 weeks. Can someone help me please?
I got a report from Experian 7 months. And I got one from Equifax few days ago, so TransUnion is the only one I can have. (I want to get one from TransUnion, because I want to compare it to the one from Equifax .

Kevin

]]> http://free3creditreports.org/credit/question-about-transunion-free-credit-report-4/feed/ 3