Free Equifax Credit Report + Fico Score from Household Bank

[Murpheeee]

saw this promo on another site

complete short survey for Household Bank and get a free Equifax credit report and Fico Score ($13 value)

LINK

 

[SimsFreak]

Must be 18 =/

 

[wedi42]

Originally posted by: SimsFreak
Must be 18 =/

duh

what good is a credit report if your not 18

 

[osiris3mc]

Originally posted by: johngute

Originally posted by: SimsFreak
Must be 18 =/

duh

what good is a credit report if your not 18

Superb point.

 

[ahanafi]

Thanks!

 

[BG4533]

Just got mine. That was really easy and I was going to do it soon here anyway. I wonder if I can try this again in a few months. Thanks.

 

[genius99]

Thanks Murpheeee!

 

[GtPrOjEcTX]

wtf, it went down!

btw, thanks!

 

[websource99]

got one, thnx. Such reports help a lot.

 

[dquan97]

thanks!

 

[Aravot]

Thanks got mine

 

[Pshawn5]

thanks..

damn need to call a CC company and complain they didnt close an account, i already asked them to close last time i looked at my credit score :/


btw anyone know how to contact trans union? i got a letter from BofA when i applied for a credit card(which i got) saying they got the wrong address for me in there file. i tried the 1-800 # they gave me, but it just gives me options to order a report, i just want to correct the mistake .
thanks

 

[sxr7171]

Thanks OP this was really helpful! Every time there's a free credit report there's always an obligation to sign up for some stupid credit reporting service, but this one is free and with no hassles.

 

[xybertron]

Do we need to cancel account after we get the score? I can't find a spot on the site to cancel...

 

[GPz1100]

This is an excellent opportunity to cancel all those unused department store cc's.

(Unless you actually use them).

 

[PagannagaP]

You can just call them up and request your credit report free of charge. I did this a while ago and Equifax sent it to me, the others said I hadn't been turned down for credit and wouldn't send it to me. I believe Equifax is the biggest?

Equifax
800-685-1111
www.equifax.com

Experian
888-EXPERIAN (888-397-3742)
www.experian.com

Trans Union
800-916-8800
www.transunion.com

Q. Do I have a right to know what's in my report?
A. Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year - two years for employment related requests.

Q. Is there a charge for my report?
A. Sometimes. There's no charge if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the action. The notice will give you the name, address, and phone number of the CRA. In addition, you're entitled to one free report a year (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9 for a copy of your report.

 

[Maddscientist]

Did not work for me keep saying password needs to be 6-20 characters and not contain anything but numbers or letters.....Even tried abcdefg and 123456 nothing would work keept giving me that dumb error so closed the browser window

 

[Zeeeter]

oops - nm

 

[nife4]

Originally posted by: Maddscientist
Did not work for me keep saying password needs to be 6-20 characters and not contain anything but numbers or letters.....Even tried abcdefg and 123456 nothing would work keept giving me that dumb error so closed the browser window

you need to have both letters and numbers...

 

[drue]

sweet... thanks...

 

[gcy]

Thanks..

 

[z0ner]

Originally posted by: GPz1100
This is an excellent opportunity to cancel all those unused department store cc's.

(Unless you actually use them).

This kind of uneducated advice can seriously put your FICO in jeopardy. Unless you've analyzed your report for average age of accounts you NEVER want to close an account. Best to pay it off / leave it at 0 balance and cut it up/ put it on ice / throw it in the sock drawer.

FICO Chemistry:
35% - Payment History
30% - Credit Utilization
15% - Length of Credit History
10% - New Credit/Inquires
10% - Types of Credit Used

 

[lookin4dlz]

Yep, I was under the mistaken impression that one should close unused cards & every 2-3 years I've done so... I was floored to find out this was stoopid!

Anyway, thanks for the link. After last month's report, I got one item straightened out & raised my score by 27 points. This month I'll try for another...

Originally posted by: z0ner

Originally posted by: GPz1100
This is an excellent opportunity to cancel all those unused department store cc's.

(Unless you actually use them).

This kind of uneducated advice can seriously put your FICO in jeopardy. Unless you've analyzed your report for average age of accounts you NEVER want to close an account. Best to pay it off / leave it at 0 balance and cut it up/ put it on ice / throw it in the sock drawer.

FICO Chemistry:
35% - Payment History
30% - Credit Utilization
15% - Length of Credit History
10% - New Credit/Inquires
10% - Types of Credit Used

 

[Nocturnal]

My girlfriend just tried signing up for this and it says it's unavailable. Anyone else getting this error message after submitting it to purchase your credit report for $0.00?

 

[hackmole]