Best Way to Obtain Credit Report
You might be wondering, what is the best/least expensive way to obtain credit report. I’ve seen a number of adds to obtain “free” copies of credit reports by signing up for credit protection services but I’m not sure which of these are legit. Better to just pay for credit reports direct from the credit reporting agencies?
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If you are denied credit, you are entitles to a free copy of your credit report. If you live in certain states, you are eligible to receive a free report once a year. Colorado is one of the states and I think Maryland is another. I do not know what other states have similar laws.
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Transunion you can get online if you’ve either been denied credit or insurance or (truth or not) you’re unemployed or on public assistance (they don’t check). Experian has a number you can call if you think there’s something that may be in your credit file, and they’ll give you a confirmation number to use on their website to dispute it (added bonus is that you can pull new reports daily for 90 days on that same confirmation #). Equifax has no online “back door” that I know of (you either have to pay or write to them for a report).
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Have credit denied to you: Federal law says that then you are entitled to a free report from the agency(ies) that the credit grantor relied on in reaching a decision. Failing that, some states have laws giving their citizens free credit reports under certain circumstances, for instance if you are unemployed and looking for work. Check your state’s consumer affairs office. You are right to be suspicious of the credit protection services and other “free credit report” services. Remember TANSTAAFL[1]; you will almost certainly end up paying more than if you had just got the reports on your own. I believe each credit bureau charges $8 for a credit report. [1] “There Ain’t No Such Thing As A Free Lunch” — from /The Moon is a Harsh Mistress/ by Heinlein, though I don’t know whether the abbreviation was original with him.
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