Whatever Happened To Free Credit Reports???
Q: I could have sworn that it used to be you could get one free credit report per year from each of the credit agencies by law. I just went to their websites and they all charge. Oh, you can get a free credit report only if you give them a credit card information and sign up for a free membership with them (if it's free, why do they need my credit card?). Even though you could do the membership for free just for a month, I do not want to give them my credit card information. Besides, what do they do with people who do not have credit cards? Can they not get a free report? If anyone has any information about how to get a truly free credit report, no strings attached, please pass it on. It would be appreciated. It seems unfair to the consumer that they can collect any information about you they want, but they make it so hard to get a free copy of that information IMO.
A: -There are a few states that have laws permitting a free report, but most do not. The agencies that want your card number for a "free" report are probably signing you up for their notification service. They inform you whenever anyone asks for your report... -It depends on your state, and you can check on the site. When I requested my Experian report recently, Experian told me that it was free (because I live in Maryland) and allowed me to go through the normal on-line process. Regardless of the state you live in, you can always get a free report in certain legal situations, such as if you have been denied credit based on a report, or suspect fraud. -These services are not run by the credit bureaus themselves; they are independent credit-monitoring services which are free if you use the service and successfully cancel it within three months.
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