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Anyone know where a good credit report website is?

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edbermac Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-28-07 08:30 PM
Original message
Anyone know where a good credit report website is?
The only one I know is FreeCreditReport.com, but I don't know if they're really FREE. Trying to check my rating.
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Omphaloskepsis Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-28-07 08:34 PM
Response to Original message
1. I would try this...
https://www.annualcreditreport.com/cra/index.jsp

From a usatoday article..
http://www.usatoday.com/money/perfi/columnist/block/2005-08-22-credit-report_x.htm

It sounds like most are scams. The one I linked to above looks like a government backed agency.
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Zavulon Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-28-07 08:37 PM
Response to Original message
2. They are NOT free.
Technically, they're free for about a couple weeks, but if you don't respond a certain way within a week or two (I don't remember all the details, this was 2002), they charge you $75.00.

I don't know any good sites, but if anyone suggests any to you, try them. They can't be worse than freecreditreport.com.
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Lisa0825 Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-28-07 08:43 PM
Response to Original message
3. The last time I got a free report, it did not include all the info I needed...
It had my score and account info, but did not give date of last activity, date of first delinquency, or date of expected drop off, which I needed to dispute entries. So I went ahead and purchased all three full reports separately, because I am working on cleaning up my credit. I have raised my scores on each of the big 3 by about 100 points in the past 18 months. The free reports are good if you just want the basics and your scores, but I want ALL the info. If you want a good discussion forum for credit issues, check out the forums at www.creditinfocenter.com.
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Connonym Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-28-07 10:30 PM
Response to Original message
4. If they only have good credit reporting I must not have a credit report
ok, lame joke but seriously, my next house is going to have to be a cardboard box because after my foreclosure nobody's gonna rent to me :(
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