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Old 12-12-2005, 12:32 PM   #1
CarbonJames
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Free credit report

Why do they charge you $39.95 for a FREE credit report??

Anyone ever use this site to get your credit report?
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Old 12-12-2005, 12:35 PM   #2
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u talkin bout free creditreport .com? they suk a$$... i signed up a long time ago... first report was free... but the website fukd up, and i didnt get it sent to me.... so i immediatley called them and canceled before they could charge t to my card
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Old 12-12-2005, 12:38 PM   #3
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i just want a FREE credit report, like they say it should be FREE not $39.95. Thats not free.. thats you in the for a free, whats the $39.95 for anyway?
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Old 12-12-2005, 12:45 PM   #4
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go to the irs website. There should be a link to get a free report. You can only do it once a year i think.



my bad, not the irs site. this is it right here...

https://www.annualcreditreport.com/cra/index.jsp

Last edited by nels; 12-12-2005 at 12:47 PM.
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Old 12-12-2005, 12:47 PM   #5
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cool, thanks.
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Old 12-12-2005, 12:49 PM   #6
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I've already used it for myself and my wife, worked fine. It gives you reports from the three major credit bureaus.
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Old 12-12-2005, 03:03 PM   #7
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werd. i use that like it's my religion...
i also sneak a peak at my credit report every time i buy a large item lol

they say you're not supposed to but i'll be damned if i'm gonna spend a lotta cash and those fools won't hook me up :-p
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Old 12-12-2005, 03:20 PM   #8
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wow, im surprised. i finnally got it to give me a report, and there is hardly anything on it. i owe about every cell phone company money, none of them are on there. neither is some other that i thought would be. sweet!
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Old 12-12-2005, 03:43 PM   #9
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to bad they dont give you your credit score
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Old 12-12-2005, 03:44 PM   #10
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that says i have a credit card i dont have. but no money has been spent on it ever
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Old 12-12-2005, 04:21 PM   #11
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Originally Posted by chasee69
that says i have a credit card i dont have. but no money has been spent on it ever
snaps! call the bank and get your card #, go on a shopping spree dewwwwd!
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Old 12-12-2005, 04:28 PM   #12
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my fiance who works at a mortage compay as a loan officer/ head processor told me every time there is a inquiry on your report it affetcs your score. so if you apply for Best Buy card and get denied, it will also lower your score.
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Old 12-12-2005, 10:11 PM   #13
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Quote:
Originally Posted by arturo3rd
my fiance who works at a mortage compay as a loan officer/ head processor told me every time there is a inquiry on your report it affetcs your score. so if you apply for Best Buy card and get denied, it will also lower your score.
all it does it show that you applied for a credit, and then it stays on your credit report for 2 months
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Old 12-12-2005, 10:55 PM   #14
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all it does it show that you applied for a credit, and then it stays on your credit report for 2 months
stays on longer than that. ive had two inquires on my credit report that come on my credit score summary. its been on since i applied for yamaha and suzuki last year, both are HRS retail services i think.
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Old 12-12-2005, 11:06 PM   #15
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i used that place a few months ago. what u should do is get 1 from a differant service every 4 months that way u are covered all year.
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