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Advice on the best way to check your credit report
10-20-2010, 06:32 PM
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#1
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
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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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10-20-2010, 06:37 PM
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#2
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Oct 2005
Location: North Oregon Coast
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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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"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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10-20-2010, 06:51 PM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
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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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10-20-2010, 06:54 PM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
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Quote:
Originally Posted by Purron
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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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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10-20-2010, 08:51 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jan 2006
Posts: 4,172
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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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10-20-2010, 09:29 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
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Quote:
Originally Posted by Purron
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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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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