Have you requested your free credit report?

Have you requested your free credit report? If so, please tell us about your experience. Did you have any difficulty finding the site and following the procedure?

By law, everyone is entitled to one free report every 12 months from each of the 3 major reporting bureaus (Experian, Equifax, and Trans Union) at annualcreditreport.com. Don't confuse this site that is listed on the FTC website with freecreditreport.com which charges fees.

You can order all 3 at once, or space them out by ordering one every 4 months from each credit bureau. Note that each bureau has their own unique system, and both the report format as well as personal information may be somewhat different among them. Also, if you find an error in one and correct it, don't assume that the bureau will notify the other 2 of the error. My opinion is to get them all at once, review the information, and make corrections if necessary. Then call the other two bureaus to inform them you cleared an error if any were found.

Actually, I just got my credit report. I did it last year and I recieved a message in my inbox reminding me of their services, etc. I'm glad they implemented a system like this. It's always nice to see whats on your report.

Free Credit Report and Score (http://deal-save-online.com/credit-reports.html)

Yes, I did not have any difficulty finding the site or following the procedure. I ordered my free credit report from Experian, Equifax and TransUnion by using the www.annualcreditreport.com site. I like this method much better. I can access my report online instantly and can get my credit score at the same time. I had referred all of my clients to the site and have included it on my business website. Thanks.
H. Freeman
www.hefreemanenterprises.com
Author of How to Get Out of Debt: Get an "A" Credit Rating For Free

You are entitled to a free credit report once a year. However, they don't provide you the credit score - which you should definitely look at.

It can be hassle to getting your credit score. I know Trans Union offers their credit score for $5.95. Equifax and Experian tries to get you to signup to their monthly credit monitoring service ($9.95 per month or so).

It can be a real hassle but you should definitly know your credit score as they differ from each credit bureaus.

I know this is an older post but I wanted to put more information out about The Fact Act that went into law last year. It's more than just credit reports, this means you now have a right to get a copy of your auto report, personal property report and credit report free once a year. The Fact Act law covers any reporting agency that keeps records on you, the 3 listed above are the most common. to get a free copy of your auto report, and personal property report I would start with the largest company (Choice Trust) they maintain your C.L.U.E. scores and reports (by law they do not have to release your score, but must provide you with the report). You can call them at 1-866-312-8076 or go on line at www.choicetrust.com.
For credit reports go to www.annualcreditreport.com you can order one from each agency (I would order one every four months from a different agency each time) once a year.
Some other reports covered by the Fact Act.
Medical information. If you’ve applied for life, health, disability or long-term care policies, information about your health may have been reported to the Medical Information Bureau <http://www.mib.com/>. This membership association of 600 companies is designed to help insurers detect fraud and deter applicants from lying on applications.

Tenant history. No one company dominates this field, but some of the larger screening agencies include Registry Safe-Rent http://www.residentscreening.com/ and U.D. Registry <http://www.udregistry.com/>.

Check-writing history. ChexSystems <http://www.chexhelp.com/> is the largest player in this arena. It maintains a database of people who have “mishandled” their bank accounts (typically by repeatedly bouncing checks). You can order a report online (ignore any reference to a "small fee") or call (800) 428-9623 or send snail-mail to ChexSystems, Attn: Consumer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN 55125.

I just ordered this software: www.creditreportcorrect.com (http://www.creditreportcorrect.com). I guess it won’t do any magic but help me keep track of the process. They assured me that most people see improvements in the first 30 days.
Does anyone have experience with theme?

All of that stuff is a scam, I've never gotten a free credit report in my life.

All of that stuff is a scam, I've never gotten a free credit report in my life.
No, it's not. You may have to wade through some screens offering "premium" services for $$, but annualcreditreport.com is the real thing, and I do periodically check mine at no charge. I also helped my son retrieve his.

georgee, you can do a lot to fix your own credit. Try the Forums at http://www.creditboards.com; those people have it down to a science. It's a combination of fixing legitimate errors and then not doing the things that lower your score (late payments, too many credit cards, too many inquiries against your records, maxing out credit lines). The paid services either do the same things you can do yourself, or they just get things temporarily removed by disputing them- they get put back on your record if they're determined to be legitimate.

All of that stuff is a scam, I've never gotten a free credit report in my life.
Peppy,

Rhodz and Atherna53 are correct. Go to www.annualcreditreport.com (http://www.annualcreditreport.com), and you can receive three free reports a year, one each from the major credit bureaus (Equifax, Experian, and TransUnion). The best method to use is to request one every 4 months. That way, you will be able to both monitor your activities, as well as review the information all 3 agencies have on file.

You really don't need to pay for anything. However, if you are looking to purchase a house, go to www.myfico.com (http://www.myfico.com) for your FICO score. It looks like they are having a free trial currently, which provides you with your FICO score.

The scores the other 3 agencies offer (for money) are often refered to as "FAKE-O" scores, and don't reflect what mortgage lenders are looking for as accurately as your true FICO score.

I hope that helps!

Free is great but you need to pay for the service, get one of those monitoring services, you need to know what is up with your credit 24/7
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Miami Beach Condos (http://www.miamibeachcondosandhomes.com/)