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Advice on the best way to check your credit report
Old 10-20-2010, 07:32 PM   #1
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Advice on the best way to check your credit report

DH and I haven't done this in years and think it's a good idea to do so. What's the best way to check your credit report? We've heard there are bogus sites out there for this, so thought we'd check with the experts here.

Thanks
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Old 10-20-2010, 07:37 PM   #2
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https://www.annualcreditreport.com/cra/order

From the FTC - http://www.ftc.gov/freereports

Quote:
AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that's yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies Experian, Equifax, and TransUnion every 12 months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, and yet couldn't get it without paying fees or buying other services. TV ads, email offers, or online search results may tout "free" credit reports, but there is only one authorized source for a truly free credit report.
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Old 10-20-2010, 07:51 PM   #3
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Thanks Zig. Follow up question. Anyone frozen their credit file so no accounts can be opened? I've heard this may be a good idea for people who borrow or open up credit accounts infrequently.
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Old 10-20-2010, 07:54 PM   #4
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Originally Posted by Purron View Post
Thanks Zig. Follow up question. Anyone frozen their credit file so no accounts can be opened? I've heard this may be a good idea for people who borrow or open up credit accounts infrequently.
I've heard some people have done it. I know it's something that Clark Howard sometimes recommends to callers.
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"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

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Old 10-20-2010, 09:51 PM   #5
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I've considered freezing but I don't like the thaw charge so have not yet done it. Clark Howard: Credit Freeze and Thaw Guide on clarkhoward.com

When you order the CR, consider ordering 1 every 4 mos.for each person
and interlaced so you get 1 report every 2 mos. so you'll be reasonably current on any changes.
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Old 10-20-2010, 10:29 PM   #6
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Originally Posted by Purron View Post
Thanks Zig. Follow up question. Anyone frozen their credit file so no accounts can be opened? I've heard this may be a good idea for people who borrow or open up credit accounts infrequently.
We did it when some tax reporting documents got lost in the mail and we suspected them stolen. It was straightforward to do - and we got our credit reports at the same time. As far as I understood, the credit freeze would only last for 6 months.

Audrey
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