- Dec 23, 2002
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No, that's not necessarily the case. Re-read the original post detailing reasons ALL US RESIDENTS may qualify for free credit reports.Originally posted by: mexilent
Thanks for the excellent info. So let me get this straight: you're only entitled to a free report if you live in one of the states mentioned above? I called the first #, and it was going to be $8 for the report & $8 for my score.
IMO, reason #3 should be a fairly easy one to qualify for. If you believe there's inaccurate information on your credit report(s), you're supposed to be entitled to a free copy of your credit reports to verify and correct such information.
To the best of my knowledge, the bureaus DO NOT REPORT OR TRACK what credit, employment, etc. you were DENIED. They simply track what credit you've been issued and how you've handled that credit. Thus, reason #4 should be an easy one to qualify for as well so long as your Credit Report has been looked at by a bank, employer, etc. within the past 60 days (that's how much time you get to request your credit report when you've been denied credit). Of course going this route will limit you to free credit reports of only those bureaus whose reports were looked at.
P.S. Only one of the 3 bureaus offers a free CREDIT SCORE (TransUnion IIRC. It's listed in the original post as well).