Thread: Credit Report

I just got a letter from the Department of Veteran Affairs that a computer hard drive used by an employee of the Birmingham Veteran Affairs (VA) Medical Center is missing. Because personal information may be missing or compromised, I was given the exact info you want.

As I understand, everyone has the right to one free report each year. I'll list the agencies below. Good luck.

Equifax
PO Box 740241
Atlanta, GA 30374
1-800-685-1111

Experian
PO Box 9554
Allen,TX 75013
1-888-397-3742

TransUnion
PO Box 2000
Chester, PA 19022
1-800-916-8800



The letter also included this: For information about Identity Theft, including how to place a "fraud alert" with the credit reporting agencies, visit the Federal Trade Commission online at Federal Trade Commission - Home or call toll free 1-877-438-4338.

Also run by the FTC: the ability to get your report FREE once a year. This is not those bullshit infomercials on TV that force you to buy "credit protection" or some other racket.

This is the no shit government mandated free reports. You get one from each of the big three. It does not, however, give you your FICO score. It's just the meat of the report to make sure it is accurate.

The Federal Trade Commission's Information on Free Annual Credit Reports

BOY... talk about vision right now... I deal with people every single day about freaking out cause their credit report is all mess up.

WWW.freecreditreport.com

Good luck

Not to knock Frenchie, but that link is not "free" as it suggests. You have to enroll in Experian's Credit Protection program.

The only way to get your official report is to go thru the FTC.

I use freecreditreport.com. It's $13/mo(not free like the URL suggests) but they monitor any activity and notify you immediately. It also gives you your score which is updated quarterly I believe.

This is the official website for the once-yearly free report from each of the three credit bureaus under the FACT Act.
https://www.annualcreditreport.com/cra/index.jsp

I use the free service there, but I also subscribe to the site mentioned by others for monitoring. You get a monthly overview of what's going on, get alerts when something changes, and can pull a new Experian report monthly.

EDIT: The free one provided by the government also doesn't give you a score, you have to pay extra for that.
You do get it from the Experian site.

Business owners should keep tabs on their D&B reports as well. These things can bite you in the ass big time . . .

Thanks for the links. Checked the reports and found out my credit is better than what I thought and have enough to buy another bike. J/k

Originally Posted by Hammer

Thanks for the links. Checked the reports and found out my credit is better than what I thought and have enough to buy another bike. J/k

The best score to have is zero

Originally Posted by navydevildoc

Not to knock Frenchie, but that link is not "free" as it suggests. You have to enroll in Experian's Credit Protection program.

The only way to get your official report is to go thru the FTC.

knock knock... who's ther. LMAO

You are right in a way...You can cancel within 30 days and it is free. That's what I do every year.

Either way,,,, glad you got what you were looking for Hammer

one of my credit cards give me a summary credit report online based from TransUnion. what I don't get is when I bought my truck in January I looked at it and my credit score was xxx. since then I have paid off what little I had on my credit cards and paid off my bike loan and haven't had any late payments on anything in as long as I can remember and my score has gone down roughly 25 points. I guess I shouldn't complain cause my score is still very high.
maybe I'll check out the full report and see what it says.

Originally Posted by CBR929RE

one of my credit cards give me a summary credit report online based from TransUnion. what I don't get is when I bought my truck in January I looked at it and my credit score was xxx. since then I have paid off what little I had on my credit cards and paid off my bike loan and haven't had any late payments on anything in as long as I can remember and my score has gone down roughly 25 points. I guess I shouldn't complain cause my score is still very high.
maybe I'll check out the full report and see what it says.

Every time someone checks it (other than you), you loose a couple of points. That's why it's not a good idea to apply for credit at more than one or two places. It takes 3 years for that "hit" to go away as well . . .

Originally Posted by ND4SPD

I use freecreditreport.com. It's $13/mo(not free like the URL suggests) but they monitor any activity and notify you immediately. It also gives you your score which is updated quarterly I believe.

I use them too.....they do a great job of monitoring. Any activity, whether it be inquiries or other suspicious snooping - you'll know about it.

Originally Posted by CBR929RE

one of my credit cards give me a summary credit report online based from TransUnion. what I don't get is when I bought my truck in January I looked at it and my credit score was xxx. since then I have paid off what little I had on my credit cards and paid off my bike loan and haven't had any late payments on anything in as long as I can remember and my score has gone down roughly 25 points. I guess I shouldn't complain cause my score is still very high.
maybe I'll check out the full report and see what it says.

You just added what, $20K to your debt load? Of course the score is going to go down. Your DTI just ballooned, your total available credit just went down and your debt load went up.
The score isn't a black and white science. Just paying on time doesn't mean it will be all rosy. It helps, but it isn't everything.
Your overall debt availability and creditor risk picture is where the score comes from, and you just loaded up two of the larger factors. As you pay the truck loan on time the score should come back up some, but if it is also the largest loan you have ever signed for on your own it will take a while before the risk factors are mitigated.

And a "very high" credit score is over 800.