This topic contains 6 replies, has 3 voices, and was last updated by 
fontanaman 8 years ago.
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For those of you who are not aware, you are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies (in accordance with the Fair and Accurate Credit Transactions Act).
The following site is the official site that helps consumers obtain their free credit report. It was created by the three nationwide consumer credit reporting companies – Equifax, Experian and TransUnion, and is the ONLY service authorized by them for this purpose.
You can request your free annual credit report online, by phone or by mail through: http://www.annualcreditreport.com
Yes, this is very handy, especially if you don’t subscribe to a daily monitoring service. You can also get a free report if you have been denied credit within 60 days. They are suppose to send you the score they used at the time, but some use scores other than FICO. I thought the free annual credit report was suppose to start including the score, but I don’t think it does. Oh well, still good.
Hey ambersun,
Are you subscribed to any of these monitoring services? I’ve been thinking about it for the last few days and wanted to hear some feedback (I’ve been looking at myfico and experian). Experian offers a credit tracker for $14.95 a month. Unlimited access to your report and score, plus daily monitoring from all 3 Bureau credit reports. Sounds like a good deal.
Do you think it’s worth it?
Yeah, depends on how often you like to check your credit. I got mine when I was “acitvely” working on cleaning up my credit, sending out letters/ disputing, etc. I wanted to see how long it took an agency to remove an account as they said they would or i like seeing the affect a change has on my score even though it’s not FICO. I have an Experian service through my bank and an Equifax one also. I still have them because when I went to cancel they cut the amount in half. I’ve read that if you really want the correct picture of your reports you should order paper copies, from the reporting agencies themselves, but I never have.
I’m trying to get a few things removed from my report right now. I think this would be a handy thing to have. It’s great that you got half off when you tried to cancel.
Would the paper copies be any different from the pdf’s you can get online?
I’ve read that they have more info., like they actually include the codes that the agencies us, like R9 is for Collections (I don’t think this is the correct code but something like that). I guess it helps if you need to get really detailed with your disputes. I think the paper reports show “falling off’ dates as well. The date your account is due to fall off of your report.
Just a quick update. I ended up registering for the Experian Credit Tracker service. It provides unlimited access to my report and daily monitoring of the other two Credit Bureau agencies. So far so good. I already noticed that one of my collections (one of two) was removed, as I was able to pay it in full. I’m working on getting the 2nd one deleted.
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