Brief Video Explaining to you how to Obtain a free credit report from the major 3 companies.

[funboy6942]

Linkage
You can get one annually OR anytime your unemployed looking for work, on government aid etc.
Do not need to sign up for that freecreditreports.com BS

Hot deal IMO for our youth to know if anything. Very quick video.

 

[KuJoe]

Even easier way = www.annualcreditreport.com

 

[solleyman]

Originally posted by: KuJoe
Even easier way = www.annualcreditreport.com

Agree. This takes seconds...really is free...no crap attached.

I've got Outlook setup to remind me every four months to go get one of the three...I stagger the three reports...

 

[funboy6942]

Originally posted by: solleyman

Originally posted by: KuJoe
Even easier way = www.annualcreditreport.com

Agree. This takes seconds...really is free...no crap attached.

I've got Outlook setup to remind me every four months to go get one of the three...I stagger the three reports...

UM you guys did watch the video before replying right? Because you gave the website which is what is given in the very beginning of the video itself. My link isnt to other links you sign up to, just a video explaining a bit more of where to go (the link you gave) and numbers to all 3 major companies if you suspect fraud is involved so you can report it. A long with more info on your rights and what your entitled to.

I just thought I would post the video since it explains it a little more and videos are much more entertaining, yet this was too watching you come in here all high and mighty thinking I linked to some crappy pay thing when it is a video for the site you linked

 

[solleyman]

Originally posted by: funboy42

Originally posted by: solleyman

Originally posted by: KuJoe
Even easier way = www.annualcreditreport.com

Agree. This takes seconds...really is free...no crap attached.

I've got Outlook setup to remind me every four months to go get one of the three...I stagger the three reports...

UM you guys did watch the video before replying right? Because you gave the website which is what is given in the very beginning of the video itself. My link isnt to other links you sign up to, just a video explaining a bit more of where to go (the link you gave) and numbers to all 3 major companies if you suspect fraud is involved so you can report it. A long with more info on your rights and what your entitled to.

I just thought I would post the video since it explains it a little more and videos are much more entertaining, yet this was too watching you come in here all high and mighty thinking I linked to some crappy pay thing when it is a video for the site you linked

Um...the funny part is when I look back at our posts and see all the places where we said your post was to a crappy pay thing. Let's see, there was that one place where we said, "this guys post is a crappy pay thing." Oh, nevermind, we didn't say anything like that.

KuJoe said it was easier to just go to the link than watch a video and then go to a link. I gotta believe that's true.

I agreed with him, offered verification that it truely is free, and suggested that people stagger their reports from the three agencies, so they never go more than 4 months without checking their credit. Not really high-n-mighty.

Try not to be so paranoid. Just put your foil helmet back on and move along.

 

[funboy6942]

Wow, no you guys just kinda implied it is all
You verified a site that I done lined a video about he tried to implie I was trying to post to some other site for free reposts if you sign up for some bs.

Originally posted by: solleyman

Originally posted by: KuJoe
Even easier way = www.annualcreditreport.com

Agree. This takes seconds...really is free...no crap attached.

And I never said you said anything, you all implied something with your replies. And Im the paranoid one wearing the foil hats?? I think you should move along

 

[1EZduzit]

It didn't give me my score though??

 

[juser]

Used this site a few weeks ago, mostly painless. The credit site do push their pay services, but it is easy to opt out or skip over.

 

[Yo2]

What a sham - this is bulls*it =- the site is engineered by amateurs and you do NOT get your score for free - least i could maneuver was $7.95 - what a BS

 

[solleyman]

Originally posted by: 1EZduzit
It didn't give me my score though??

When the Fed's finally made these companies let us actually see what info they had about us, they did not force them to give us our scores...just the raw data. You can pay extra for your score.

 

[nairi]

experian gives credit score for $5.95

 

[Auggie]

681 credit score. pretty good considering i'm a student with 30k in student debt? hehe

 

[marulee]

I heard your credit rate drops when you obtain a creadit report!

 

[BeauJangles]

Originally posted by: marulee
I heard your credit rate drops when you obtain a creadit report!

Only slightly, which is why you don't want to request reports frequently.

 

[solleyman]

Originally posted by: BlinderBomber

Originally posted by: marulee
I heard your credit rate drops when you obtain a creadit report!

Only slightly, which is why you don't want to request reports frequently.

Someone else can verify, but I don't believe you get "dropped" for checking your own credit...just like you don't get dropped when someone checks your credit before sending you a "you're already approved", unsolicited credit card/insurance offer.

You do get dropped if you apply for a card/loan/insurance/ect. and they run your credit.

At least that's my understanding of it.

 

[Gunslinger08]

Originally posted by: solleyman

Originally posted by: BlinderBomber

Originally posted by: marulee
I heard your credit rate drops when you obtain a creadit report!

Only slightly, which is why you don't want to request reports frequently.

Someone else can verify, but I don't believe you get "dropped" for checking your own credit...just like you don't get dropped when someone checks your credit before sending you a "you're already approved", unsolicited credit card/insurance offer.

You do get dropped if you apply for a card/loan/insurance/ect. and they run your credit.

At least that's my understanding of it.

You are exactly right. There are inquiries that are viewable to others and inquiries that are only viewable by you and the credit agency. The latter does not affect your score and include checking your own credit, pre-approval notices, etc.

All you really have to do to understand this is think about how the credit monitoring services work. They check your credit daily, weekly, or monthly and alert you of changes. If those inquiries really hurt your score, do you think anyone but fools would be using them?

 

[KuJoe]

I've checked my credit report about 12 times since 2005 and my credit score has only gone up so unless possitives outway the amount of times I've checked it then I don't think checking it has any affect on the score. BTW, everytime you apply for anything that checks your credit report you're entitled to a free report from the company that checked it if you request it within 60-90 days (forget which).