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Discussion Starter #1
I'm sure there are loads of scams, but I want the real deal... and how much does it cost? Thx!
 

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they are ALL either pay now or pay later...<br><br>
you can technically get a Free credit report and then cancel the service that you are required to subscribe to, but it is conveniently often charged to your credit card anyway.<br><br>
I have always just paid the 30 bucks for a 3 bureau report from Transunion or Experian.
 

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a few yrs back a law was made saying you are entitled to free reports, one per yr from each of the big three.<br><br>
go to freecreditreport.com<br><br>
it really is free. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink">
 

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You can get a free report, but you have to pay for your score.<br><br>
When I do this I always remember to start from a .gov website, not a .com website. There are so many scams out there the federal trade commission reccomends you link from thier site.<br><br><a href="http://www.ftc.gov/bcp/conline/edcams/credit/ycr_free_reports.htm" target="_blank">The FTC site</a> which is a .gov site<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink">
 

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<a href="http://www.annualfreecreditreport.com" target="_blank">www.annualfreecreditreport.com</a> links to the 3 main credit reporters. you can get a free credit report from each every year etc.<br><br><a href="http://www.dmv.org" target="_blank">www.dmv.org</a> driving records<br><a href="http://www.mib.com" target="_blank">www.mib.com</a> medical records<br><a href="http://www.socialsecurity.gov/statement" target="_blank">www.socialsecurity.gov/statement</a> your SS statements if your over 25<br><br>
i have had to pay for my score but some sites do an estimation or if you've applied for a loan they should be able to tell you but they aren't allowed to print it out.
 

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<div style="margin:20px;margin-top:5px;">
<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;"><a href="http://www.annualfreecreditreport.com" target="_blank">www.annualfreecreditreport.com</a> links to the 3 main credit reporters. you can get a free credit report from each every year etc.</td>
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See the FTC site says only <a href="http://www.annualcreditreport.com/" target="_blank">http://www.annualcreditreport.com/</a> not <a href="http://www.annual" target="_blank">www.annual</a><b>free</b>creditreport.com is the right site. They also say to be careful because there are so many out there trying to sign you up for $. And they use such similar addresses, it is best just to start from a .gov site.
 

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<div style="margin:20px;margin-top:5px;">
<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>Mallory</strong> <a href="/community/forum/post/7913146"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">See the FTC site says only <a href="http://www.annualcreditreport.com/" target="_blank">http://www.annualcreditreport.com/</a> not <a href="http://www.annual" target="_blank">www.annual</a><b>free</b>creditreport.com is the right site. They also say to be careful because there are so many out there trying to sign you up for $. And they use such similar addresses, it is best just to start from a .gov site.</div>
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yes your right i had it written down as that but had written under it that it was free! <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/dizzy.gif" style="border:0px solid;" title="Dizzy">:
 

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Discussion Starter #8
Just wanted to say thanks! I already had the free reports - I really just did need the scores, and was pleasantly surprised to find DH's has gone WAY up! I had a CC in my name for years, and just added him as a joint holder, and it immediatly showed on his credit report that he'd been holding the card for years! woo-hoo!<br><br>
We're about to go to a lending fair, so I needed the numbers in hand <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/wink1.gif" style="border:0px solid;" title="wink1">
 

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Oh, I did do it from Transunion, and it cost $30 (they really do try to trick you into subscribing, don't they? <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">: ). Thanks for the tips!<br><br>
The stupid part was when i had already paid, they asked me to verify who I was, and asked for account numbers from accounts that have been closed for several years <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"> That was a pain to have to find numbers for companies that we worked with years ago and find old account numbers!
 
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