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Which site am I suppose to use for "Free Credit Report"??? - Printable Version

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Which site am I suppose to use for "Free Credit Report"??? - spacescape - 09-24-2015

I cannot remember which site is legit to use for a free credit report?

Re: Which site am I suppose to use for "Free Credit Report"??? - Robert M - 09-24-2015

Space,

I believe this is the site:



Robert

Re: Which site am I suppose to use for "Free Credit Report"??? - Ken Sp. - 09-24-2015

Yes, that is the correct one to get one free report a year from each of the three. Some people spread it out and choose a report every four months alternating between the three agencies.

You can also sign up for free at creditkarma.com, and they have a great app. You get a close approximation of your credit score, and you can see how certain things affect your score. It is free.

Re: Which site am I suppose to use for "Free Credit Report"??? - Ombligo - 09-24-2015

Another vote for creditkarma.com

(and Ken gave good advice)

Re: Which site am I suppose to use for "Free Credit Report"??? - Rick-o - 09-24-2015

While I like Credit Karma quite a lot, be advised that the score you receive from them is NOT your FICO score.

I'm not sure how they obtain their numbers, but it's always lower than my actual FICO score I see on my statement from Discover Card every month.

Re: Which site am I suppose to use for "Free Credit Report"??? - Robert M - 09-24-2015

Rick,

Very true. But, what you get from Credit Karma is good enough to get an idea of what's happening with your credit. If someone needs a more specific number, then it's worth paying for it. 'course, this is a non-issue if you have a Discover card. I believe American Express offers the same feature, too.

Robert

Re: Which site am I suppose to use for "Free Credit Report"??? - Rick-o - 09-24-2015

Robert, yes, I agree Credit Karma is good enough in most instances. After posting, I logged on to CK and noticed they use a different system than from my last visit.

Instead of one combined credit score number, (which was 778 I believe) I was presented with two numbers. One from TransUnion (825), and one from Equifax (830). I know there's another agency out there, but I can't remember their name and CK only gave me 2 out of the 3.

However, these two numbers are different, although very close from my latest Discover Card statement of 815 FICO.

At least now I know where CK gets their info from.

Re: Which site am I suppose to use for "Free Credit Report"??? - Buck - 09-24-2015

Robert M wrote:
Space,

I believe this is the site:



Robert

This is THE one.
http://www.clarkhoward.com/free-credit-report-info

Re: Which site am I suppose to use for "Free Credit Report"??? - DeusxMac - 09-24-2015

Rick-o wrote:
I was presented with two numbers. One from TransUnion (825), and one from Equifax (830). I know there's another agency out there, but I can't remember their name...

Experian
http://www.experian.com

https://en.wikipedia.org/wiki/Experian

Re: Which site am I suppose to use for "Free Credit Report"??? - pinion - 09-24-2015

If you ever forget just google "credit report site:.gov" without the quotes and it will take you to the FTC site that points you to the place you need to be.
http://www.consumer.ftc.gov/articles/0155-free-credit-reports