Annual Credit Report Phone line

Graybeard

Full time employment: Posting here.
Joined
Aug 7, 2018
Messages
668
I have used the phone number 877-322-8228 since 2005 to order my credit report from the 3 agencies. You were able to get 1 report per year for free so I would order a report every 4 months and they mail you the report. This number still works as I ordered my report the other day.

What I want to know is can I use that number to get a credit report once a month so on the 4th month I'm getting it again from the agency I started with or is the once per year limit still in effect using the phone number?

I assume online you can see your credit report as often as you want but I like calling the number and getting the report in the mail.
 
It is still once per year per agency.

Thanks.

Federal law gives you the right to get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. In addition, the three bureaus have permanently extended a program that lets you check your credit report from each once a week for free at AnnualCreditReport.com.

The red text is why I thought we can get credit reports frequently but I see that is just at the online site. :mad: Considering how poorly our personal information is handled, we should be able to get them from the phone number say once a month. I went through the online site and messed up and got locked out so I immediately hated that method. Due to the latest breach, my PI has been found multiple times on the Dark Web in the past couple of weeks from a few different monitoring services. I've had my credit report locked or frozen, whichever is better and permanent, for many years and just a week ago put a fraud alert on it that Experian said is placed at the other 2 agencies.
 
AFAIK, you are entitled to three free credit reports in a calendar year but you can get as many as you like if you pay for a subscription. But, to me, that seems overkill. We pull a free report every 4-months from one of the big 3. If you now can pull them more frequently online then go for it. Using the website is not hard. But beyond that....

- Freeze your credit, al least with the big 3 credit agencies. According to a 'counselor' at one of those agencies (don't recall which) the vast majority of creditors will check your credit at one or more of the three before issuing credit...but some may not. So,
- Set up alerts on your bank accounts and credit/debit cards. Ours are configured to send alerts to our phones for any transaction greater than $0.01.
- We have identity theft "insurance/monitoring", just in case.
- Reconcile your bank and credit card statements every month.
- Try not to worry, (y)
 
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