Electronics

[Jordan2]

I've heard about this website and have seen commercials for it. It's suppose to be totally free no strings attached to get your credit report. Has anyone ever used this? Do you think it's safe and really free?

[queendiva]

DS used it recently. Free, safe and accurate.

[Jordan2]

Queendiva thanks for the reply. I'm very suspicious by nature and always feel nothing is for free. I may try this.

[Stardust2]

Go to www.usa.gov This is the government site and the only one I trust. In the search bar type in "annual credit report request form" Mail it in after filling out. It goes to all 3 of the majors, you only need the last 4 digits of your social security number and you receive it in the mail. You are allowed to send it once a year. I would never trust the internet for this sensitive information.

[Caffeina]

On 3/19/2014 jordan2 said:

I've heard about this website and have seen commercials for it. It's suppose to be totally free no strings attached to get your credit report. Has anyone ever used this? Do you think it's safe and really free?

I wouldn't use that site and unnecessarily give personal information to a third party.

consumer.ftc.gov/articles/0155-free-credit-reports

[ilovedaisies]

I wouldn't give them my SS number, no way.

[Jordan2]

Thank you Stardust2 and Caffeina I will look into both of these websites.

[Stardust2]

On 3/19/2014 jordan2 said: Thank you Stardust2 and Caffeina I will look into both of these websites.

We have used the one I posted for years. Back comes a detailed report about 4 to 5 pages long. Each credit bureau sends us one. Amazing how many people have checked your credit report without your knowing. Also with each one a toll free number comes in case you want to dispute something or have something taken off that doesn't belong to you.

[Venezia]

This is the link for the Federal Trade Commission, which gives a link to the Annual Credit Report site (the one mandated by federal law): FTC Consumer Website

Once you go to that, there is a link given at the top of the page to get your free credit report. You are allowed, by law, to get one free credit report per year from each of the three big reporting agencies.

I do what was recommended many years ago - request one report from each of the agencies, each quarter. The three agencies have similar information, so for example, get your report from Equifax now. Check it for accuracy and correct anything that's wrong.

In four months (or sooner, if you spot anything suspicious) get the next report from one of the other two and your third report from the final agency four months after that.

This way, you are keeping tabs on your credit report 3 times a year. Of course, if you think anything is very wrong, you'll want to check with the other two sooner, as a request for a correction to one, does not get passed on to the other two.

I hope this makes sense to you. I would never use any other service except the one set up by the Federal Government. It is totally free and easy to use. (You can, of course, print out a copy.)

[cookie5]

I have used them for about 5 years. They were recommended highly by Clark Howard and I have had only good results.