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  • #1

    Credit Reports?

    Hey. I have heard that you can get Credit Reports for Free now... how do you do that? I am mostly interested in online ones, and to see what lines of credit I have open (to make sure that there aren't any that are open that shouldn't be).

    thanks,
    JM
    (once a year check against identity theft)
    Jon Miller-
    I AM.CANADIAN
    GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.
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  • #2
    Send me all of your personal information, and I'll get a credit report for you. For free, no less.
    “As a lifelong member of the Columbia Business School community, I adhere to the principles of truth, integrity, and respect. I will not lie, cheat, steal, or tolerate those who do.”
    "Capitalism ho!"

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    • #3
      Nah...

      JM
      Jon Miller-
      I AM.CANADIAN
      GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

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      • #4
        Aw
        “As a lifelong member of the Columbia Business School community, I adhere to the principles of truth, integrity, and respect. I will not lie, cheat, steal, or tolerate those who do.”
        "Capitalism ho!"

        Comment

        • #5
          I'm not sure about the various "freecreditreport.com" type things, but one easy way is to apply for a credit card that you know you won't get. Assuming you don't get it, they are required to give you a copy of your credit report.
          <Reverend> IRC is just multiplayer notepad.
          I like your SNOOPY POSTER! - While you Wait quote.

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          • #6
            The site is annualcreditreport.com

            They then prepare links for you to the three reporting agencies. They'll try to sell you your credit score for a nominal fee. Just decline all that.

            Good luck.
            I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891

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            • #7
              I heard that your credit is affected each time you have a credit check performed. Is that true?
              Monkey!!!

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              • #8
                Thanks!

                I was wondering because although I have good credit, I wanted to make sure no one had opened any accounts or anything.

                I had two (three?) accounts I had forgotten about, but other then that everything was good.

                JM
                Jon Miller-
                I AM.CANADIAN
                GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

                Comment

                • #9
                  One element on your credit report is how often it is queried, yes. As long as it's not frequent it doesn't matter. I don't know if you asking for your credit score affects it or not.
                  <Reverend> IRC is just multiplayer notepad.
                  I like your SNOOPY POSTER! - While you Wait quote.

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                  • #10
                    Originally posted by Jon Miller
                    Thanks!

                    I was wondering because although I have good credit, I wanted to make sure no one had opened any accounts or anything.

                    I had two (three?) accounts I had forgotten about, but other then that everything was good.

                    JM
                    Yeh, this year there was an account that was open, but I hadn't used for a good decade. It showed up on all three reports. Had to call the company and close it.

                    Makes sense to do some pruning from time to time.
                    I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891

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                    • #11
                      Especially before a big purchase or loan approval
                      Monkey!!!

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