Question : What website provides the best credit report for free?
I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free? Thanks!
- asked by young1
All Answers:
Answer #1
FREE report once a year. But the credit score issomething you must pay for. It's less than $10though.
- answered by Crazy
Answer #2
Only ONE IS TRULY FREE and mandated by the FTC: Score is additional $7.95 per agency but you arenot required to purchase.The Fair Credit ReportingAct (FCRA) requires each of the three nationwideconsumer reporting companies - Equifax, Experian,and TransUnion to provide you with a free copy ofyour credit report, at your request, once every 12months. The FCRA promotes the accuracy and privacyof information in the files of the nation'sconsumer reporting companies. The Federal TradeCommission (FTC), the nations consumer protectionagency, enforces the FCRA with respect to consumerreporting companies. Visitwww.annualcreditreport.com online to request.Please note that your credit reports are free butif you want to know your credit score there is anadditional charge per bureau. If you want to knowyour score we recommend you use a paid servicesince the cost is equal and it is easier to obtainand understand plus then you reserve your freereport rights for another time.To Request yourCredit Report by Phone: Call 1-877-322-8228 Youwill go through a simple verification process overthe phone.Your reports will be mailed to youwithin 15 days. Please, allow 2-3 weeks fordelivery online - www.annualcreditreport.comUnderthe Fair Credit Reporting Act (FCRA), you may beentitled to receive a free copy of your personalcredit report if you have received notice withinthe past 60 days that you have been declinedcredit, employment or housing, or if adverseaction has been taken against you based oninformation contained on your creditreport.Experian - www.experian.comMail request to:P.O. Box 2002, Allen, TX 75013 Or call toll-free(888) Experian (888-397-3742)Equifax -www.equifax.comMail request to: EquifaxInformation Services, Disclosure Dept.,P.O. Box740241, Atlanta, GA 30374Or call toll-free (800)685-1111TransUnion - www.transunion.comMailrequest to: 2 Baldwin Place, P.O. Box 2000,Chester, PA 19022 Or call toll-free (800) 888-4213
- answered by Iknowthis!
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measure and fulfill your financial needs
