Just to let you know, if you don't know this already, under the Fair Credit Reporting Act it is Federal Law that ye shall recieve one FREE credit report every 12 months.


In case of a Fraud Alert you are allowed 2 free reports.
(I couldn't be bothered to read the whole act so there may be other rights included).


To obtain your annual credit report logon to http://www.annualcreditreport.com
Its free, if you have not done this before you will need to create an account with each of the 3 credit bureaus, this login can be used year after year so look after that information.

There really is no catch to this free, this site is linked by and possibly controled by the Federal Trade Comission. To learn even more you could check out their website at http://www.ftc.gov

Thanks!

Dan

Last edited by AliasXR (2007-07-06 04:18:50)

Thanks...that's good information...

It does not affect your credit score, right?

Requesting your own credit information does NOT affect your credit score.  YAY! 

Thanks for the information and the website address.

Ed Phillips

Viewing your credit report is considered a "soft inquirey" it wont affect what creditors can see, in fact you can subscribe to your credit report and get unlimited access for a fee also, also credit monitoring is available where any movement will generate you a notice (email) these are available from the credit bureau websites.

Something you should also note is that when you apply for credit this does affect your rating, you are given grace periods with this also, example, you are looking for a car so you have been shopping around and have say 10 inquiries from multiple lenders, as long as they are all within a short period of time this wont affect you much at all. Its normal practice for someone who is displaying traits of someone who is sensible with money.

Maybe I should talk about buying a car sometime, Car dealers have something called "the box" and they try to get you in this box, this is where a car salesman makes lots of money (that you dont have to spend!).

More will come on this later if there is interest in it.


DAN

Thanks for the information.  I have went to one of those free credit sites and backed out when the wanted money for something.  I just researched the links you gave and checked them out through the Federal Trade Commission and sure enough, the are the only site approved by the FTC to give out the info.   I am more trusting of .Gov sites, as I don't think you can own one unless you are in the Government.   Here is an updated link to a page is FTC.gov and has a link straight over to creditreports.   http://www.ftc.gov/bcp/conline/edcams/f … s/psa.html

You have to watch with some of those free credit report services... they may start charging you a monthly fee for other services so be careful.

hmm nice that's good information...
Thanks...