free 3 credit reports - score » Free Annual Report http://free3creditreports.org get information on credit bureaus Wed, 08 Feb 2012 04:48:09 +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 If you had to pay for your credit profile, which of the 3 major reporting agencies would you use? http://free3creditreports.org/credit/if-you-had-to-pay-for-your-credit-profile-which-of-the-3-major-reporting-agencies-would-you-use/ http://free3creditreports.org/credit/if-you-had-to-pay-for-your-credit-profile-which-of-the-3-major-reporting-agencies-would-you-use/#comments Tue, 20 Jul 2010 09:09:11 +0000 admin http://free3creditreports.org/credit/if-you-had-to-pay-for-your-credit-profile-which-of-the-3-major-reporting-agencies-would-you-use/
jen asked:


I have gotten my free annual report w/in the past 12 months so I have to pay to get this info. I’m not about to try to get credit or anything; just curious what it’s looking like right now. Thanks!
Oh, that’s a good idea!
I got mine all at once last year, though, so I’m trying to decide which one to purchase a copy from now.

Beth
]]> http://free3creditreports.org/credit/if-you-had-to-pay-for-your-credit-profile-which-of-the-3-major-reporting-agencies-would-you-use/feed/ 5 What is my credit score If I have no credit at all? And Trouble Getting my Free Credit Report? http://free3creditreports.org/credit/what-is-my-credit-score-if-i-have-no-credit-at-all-and-trouble-getting-my-free-credit-report/ http://free3creditreports.org/credit/what-is-my-credit-score-if-i-have-no-credit-at-all-and-trouble-getting-my-free-credit-report/#comments Wed, 05 May 2010 09:58:26 +0000 admin http://free3creditreports.org/credit/what-is-my-credit-score-if-i-have-no-credit-at-all-and-trouble-getting-my-free-credit-report/
J Ross asked:


All I have is a bank account in my name and the electric bill in good standing. So what ballpark would my rating be in?

as to my 2nd question I’ve tried to get my free report from annualcreditreport.com and all 3 sites will not give me my report over the net. Plus when I had 1 of them mail it to me they wanted to verify my info. Is there something I should fear or is this normal? Thanks alot guys. (and gals)
To the 1st answerer. it IS free. It’s the website that by law gives you your free annual report. Get your facts straight.
Thanks to the answerers below (except the 1st one) To update I got an instant approval for a credit card with my set limit. Now I can start building credit.

Tommy

]]> http://free3creditreports.org/credit/what-is-my-credit-score-if-i-have-no-credit-at-all-and-trouble-getting-my-free-credit-report/feed/ 4 FREE CREDIT REPORT: MAINTAIN YOUR FINANCES EFFECTIVELY http://free3creditreports.org/free-offers/free-credit-report-maintain-your-finances-effectively/ http://free3creditreports.org/free-offers/free-credit-report-maintain-your-finances-effectively/#comments Sun, 23 Aug 2009 09:32:02 +0000 admin http://free3creditreports.org/free-offers/free-credit-report-maintain-your-finances-effectively/
Michael Tummillo asked:


A good credit score is really important to entail external financial assistance in the form of loans for fulfilling important needs. A good score lowers interest rates on loans and vice versa. To entail any form of loan, all creditors will check your financial position so that they will get to know whether you capably return the loan or not. With the help of Free Annual Credit Report website you can easily avail free credit report and that too without any hassles.  Your credit report is the document that records all your credit transactions for the full year. One might face difficulty in entailing a loan if he or she has bad credit score.

Before deciding to opt for nay loan for satisfying any need or paying off debts, you should be armed with your credit score and know what is in your credit report. So it is really vital to know how to avail a report. By law, the three major credit reporting agencies are required to provide consumers with a free copy of their annual credit report every year. The agencies are called Equifax, Experian, and TransUnion.

The report consist information of your credit, your payment history and debts if any. Presentation of report of all three agencies is different so it is suggested that you should take out free credit report from each one of them and then compare them effectively.

By looking at the information on your free credit report, however, you can get a good idea of what your numerical score might be by using online score calculators of Free Annual Credit Report website.

Now it is has become very easy to take out free annual report that tells your financial standing. It is important to keep your credit report good as it would help you for future borrowing.



Benjamin
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