Get Your Free Credit Report From the ONLY Legit FREE Credit Report Agency

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
26,799
456
1,000
48
Southern California
www.loansafe.org
From the FTC.gov website

<H2>Your Access to Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.
Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/bcp/conline/edcams/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
A Warning About “Imposter†Websites

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,†“free credit scores,†or “free credit monitoring†are not part of the legally mandated free annual credit report program. In some cases, the “free†product comes with strings attached. For example, some sites sign you up for a supposedly “free†service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.
Some “imposter†sites use terms like “free report†in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter†sites direct you to other sites that try to sell you something or collect your personal information.

annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at [email protected].
Q: What information do I need to provide to get my free report?

A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.
Q: Why do I want a copy of my credit report?

A: Your credit report has information that affects whether you can get a loan – and how much you will have to pay to borrow money. You want a copy of your credit report to:
  • make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
  • help guard against identity theft. That’s when someone uses your personal information – like your name, your Social Security number, or your credit card number – to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Q: How long does it take to get my report after I order it?

A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.

There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know.
Q: Are there any other situations where I might be eligible for a free report?

A: Under federal law, you’re entitled to a free report if a company takes adverse action against you such as denying your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company.

You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.

To buy a copy of your report, contact:
Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.
Q: Should I order a report from each of the three nationwide consumer reporting companies?

A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.
Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time?

A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.
Q: What if I find errors – either inaccuracies or incomplete information – in my credit report?

A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.
  1. Tell the consumer reporting company, in writing, what information you think is inaccurate.
    Consumer reporting companies must investigate the items in question – usually within 30 days – unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

    When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
  2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.
Q: What can I do if the consumer reporting company or information provider won’t correct the information I dispute?

A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.
Q: How long can a consumer reporting company report negative information?

A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
Q: Can anyone else can get a copy of my credit report?

A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, employment, or renting a home are among those that have a legal right to access your report.
Q: Can my employer get my credit report?

A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
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berv2

LoanSafe Member
Oct 27, 2007
4
0
0
We have obtained our credit reports using this website. Very user friendly. You only get one free report per year however.
 

nw2go1212

LoanSafe Member
Jan 29, 2008
7
0
0
Re: Get Your Free Credit Report From the ONLY Legi

Is it rightful for my mortgage company to report negative information while my loan was in the renegotiation process? I was told over the phone it will not be reported. Unfortunately it is and I will not be able to take advantage of any potential refinance opportunity for one year. Could you suggest a course of action I can take?
Thanks
 

Andrew

Successful Homeowner
Aug 23, 2007
662
5
0
Re: Get Your Free Credit Report From the ONLY Legi

Yes its totally legal on their part to report you late, since you were late. Really doesn't make a difference if you were going through a modification. Do you have anything in writing saying that they would not report you late. If so you can dispute the info with the credit agencies directly. If its word of mouth, its there word against yours. You can try and fight them in small claims court with FCRA violations, but a judge will most likely dismiss it if you don't have proof.
 

dakota

LoanSafe Member
Jan 2, 2008
37
0
0
Re: Get Your Free Credit Report From the ONLY Legi

Finally a topic I know pretty well....if you use annualcreditreport.com to get a copy of your report and there are derogatory information on it...don't use this report to dispute. The reason being that the credit bureaus have 45 days to resolve a dispute vs. 30 if you get your report directly from the bureaus.
 

dakota

LoanSafe Member
Jan 2, 2008
37
0
0
Re: Get Your Free Credit Report From the ONLY Legi

I'm in the insurance business. I am obssessed with my credit though and have learned the in and outs of the FICO world. Just like Moe started this bpoard for help with loans, there is a similiar board called www.that I have belonged to for years and has a wealth of information regarding all kinds of credit. My advice go there and read and read and read some more.
 

Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
26,799
456
1,000
48
Southern California
www.loansafe.org
Re: Get Your Free Credit Report From the ONLY Legi

Is it rightful for my mortgage company to report negative information while my loan was in the renegotiation process? I was told over the phone it will not be reported. Unfortunately it is and I will not be able to take advantage of any potential refinance opportunity for one year. Could you suggest a course of action I can take?
Thanks
The only way to have this not happen to you is with a Qualified Written Request. The lender by law cannot report late payments and derogs to your credit for 60 days.
 

someone

LoanSafe Member
Apr 4, 2008
1
0
0
So far as I know, there is absolutely no problem with ordering a credit report through the channels set up by the Federal Trade Commission in compliance with the Congressional mandate to receive these reports. (links removed.....already listed above)

The many web sites that offer free credit reports are probably mostly benign. But do you need to have your personal information and especially your Social Security number floating out there among so many unknown parties? Hardly seems necessary where there is a relatively secure (well yes, there is that Experian thing) government sponsored web site.
 

turningitaround

short sale or hang around for hamp2
Nov 18, 2011
28
0
0
Good Credit Report Routines

While the annual free credit report is great, it actually tends to be a little less up to date than pulling them for a fee directly from the big three credit reporting agencies. It is advisable to cough up the $15 or so for each, and to definitely follow the directions to dispute anything that is not accurate. Do not go with the free reports that these agencies provide because they are usually trying to rope you into their own monitoring programs, or whatever, which are expensive.

Good luck.
 

OneHugeMess

LoanSafe Member
May 30, 2016
463
32
28
FreeCreditScore.com will give you access to your Experian report, free, once a month, and doesn't require a credit card. I also haven't been tormented by endless phone calls or solicited for anything.


CreditKarma is also a good one for monitoring TransUnion & Equifax.
 

Michael Naz

Michael Naz
Jan 9, 2011
2,965
38
48
Southern California
With all due respect, from years of experience working with the only free site where you get each of your credit reports for free once a year under The Fair and Accurate Credit Transactions Act (FACTA), I recommend
www.annualcreditreport.com as do all non profit housing and debt consultants/counselors.
The site leads you to experian, equifax and transunion directly from the above site to make sure you don’t pay a penny and get a real time up to the minute report.
If anyone got an outdated credit report from www.annualcreditreport.com it would be impossible as it would be directly from the bureau in real time.
You don’t get scores but you get to see what’s being reported for balances and credit limits and history.
And you get to dispute directly from the site.
If anyone is trying to get a loan refinanced or home purchased or loan modified, it’s the only site that won’t hurt your credit score and is completely free from all three bureaus from one main site.
Drawback is it’s only available once per year.