Free credit report ???

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Ginger_H Fountain, FL(Zone 8a) Nov 14, 2002

Does anyone know a site where you can actually get a FREE credit report? Have not been turned down for credit in the past 60 days and am not interested in a 30 day free trial of anything. grrrr..going cross-eyed trying to find a truely free site.

Post #409556
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gardenwife Newark, OH(Zone 5b) Nov 15, 2002

I have heard Freecreditreport.com advertised on the radio. I can make no claims about their legitimacy, but I have heard talk radio hosts refer people to that site for a free credit report. http://www.freecreditreport.com/lt/v15/default.asp

Here are hits from Google consisting of government URL's only: http://www.google.com/unclesam?sourceid=navclient&q=%22free+credit+report%22

This message was edited Friday, Nov 15th 2:02 PM

Post #410364
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gardenwife Newark, OH(Zone 5b) Nov 15, 2002

It sounds like you can send a letter requesting a free credit report by stating that you suspect you may be a victim of identity fraud. I don't know if that's the case with you, but I thought I'd mention it.

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Aotearoa New York City, NY(Zone 6b) Nov 15, 2002

Nothing is free.

In exchange for your credit information, you will provide the credit firm with additional information about yourself (phone, address confirmaton, how many in your household, etc).

The credit report providor will then turn around and sell this information, either in bulk or individually, to all interested parties.

That is, after all, how credit reporting companies make a living..., selling aggregated or segregated data.

Is it legal? Yes. Is it ethical ? You decide.

When I want information about myself, I am happy to pay for it, as this way I do not have to divulge any additional information to Big Brother ;~)

Happy holiday shopping.

Adam.


Post #410455
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gardenwife Newark, OH(Zone 5b) Nov 15, 2002

Well, that goes without saying. Information's a valuable commodity. How do you think Michigan Bulb made its money? It certainly wasn't plant sales!

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Aotearoa New York City, NY(Zone 6b) Nov 16, 2002

GardenWife ~~~

GREAT collection of links about credit information. Most of us are so ignorant about our basic rights in this area. Thank you.

Adam.

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Ginger_H Fountain, FL(Zone 8a) Nov 16, 2002

GW...thanks for the link. I too did a Google search before posting here. Could not find a truely free site without fudging on the truth..and it seems that Florida is not a state where you are entitled to 1 free report a year. Oh well.

Post #411072
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gardenwife Newark, OH(Zone 5b) Nov 16, 2002

Well, that sure stinks! I think that should be something allowed at the Federal level. Identity fraud and such is not just a state-to-state issue, you know?

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