Continuation: Markers/Credit Reports

Making a new thread here, continuing a conversation from https://wizardofvegas.com/forum/questions-and-answers/all-other/33769-why-is-my-fico-score-so-low/

Quote: first link

www.annualcreditreport.com is the government mandated site where you can get your free credit report each year from the three major credit reporting bureaus, no strings attached. In contrast, www.freecreditreport.com is a privately owned by Experian that “kinda” gives you your free credit report ... freecreditreport.com [offers] the free report in exchange for signing consumers up for a credit monitoring service

emphasis mine

Slowly answering MDawg's question as to why I have not checked with Experian specifically when I have been checking my credit report - though I don't remember much about what I was thinking, evidently I opted not to use freedcreditreport.com for the reason above, after looking into it. I'm not sure why now, but I wind up with an Equifax report.

Quote: second link

You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies

the way I read this, you can get 3 separate reports from each once a year free, in other words you don't have to wait another year if you got one from Equifax, which I did in May, in order to get a free one from Experian, which if I can I will do soon, stay tuned.

https://www.doughroller.net/credit-cards/freecreditreport-versus-annualcreditreport-070309/
https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report

Ordering one from a different company every four months will give you year round coverage.

Quote: odiousgambit

Making a new thread here, continuing a conversation from https://wizardofvegas.com/forum/questions-and-answers/all-other/33769-why-is-my-fico-score-so-low/

Quote: first link

www.annualcreditreport.com is the government mandated site where you can get your free credit report each year from the three major credit reporting bureaus, no strings attached. In contrast, www.freecreditreport.com is a privately owned by Experian that “kinda” gives you your free credit report ... freecreditreport.com [offers] the free report in exchange for signing consumers up for a credit monitoring service

emphasis mine

Slowly answering MDawg's question as to why I have not checked with Experian specifically when I have been checking my credit report - though I don't remember much about what I was thinking, evidently I opted not to use freedcreditreport.com for the reason above, after looking into it. I'm not sure why now, but I wind up with an Equifax report.



the way I read this, you can get 3 separate reports from each once a year free, in other words you don't have to wait another year if you got one from Equifax, which I did in May, in order to get a free one from Experian, which if I can I will do soon, stay tuned.

https://www.doughroller.net/credit-cards/freecreditreport-versus-annualcreditreport-070309/
https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report

that is correct. Each one is a separate company and you are entitled to get it for free 1 time a year.

Here is another way to get your info for free.

Go to any of the 3 sites.
Go to online dispute
It will give you a full list of what is on your report so that you can initiate a dispute.