Free Credit Reports Online - Comments Page 2

If you are married and do all or most of your financial business jointly, you can actually get SIX reports free each year, and catch errors that much faster. Each person, man and wife, can get a report separately, from each of three agencies (and they are very much alike). Thus, him-January, her-March, him-May, her-July, him-September, her-November = six reports per year.

From http://consumer.georgia.gov/00/press/detail/0,2668,5426814_94800056_94832352,00.html

"Georgia is among several states that allow consumers to request an additional two free credit reports per year from the three credit reporting agencies. These requests, however, need to be made directly to the credit bureaus themselves."

Years ago I was able to purchase a terrific service from one of the major credit reporting agencies (I don't recall which one.) All it did was notify me by email each time a credit inquiry had been made and what type of inquiry it was (i.e, whether I had applied for new credit or if it was just an inquiry from an existing creditor or from some company planning to offer me credit.) The service only cost $10/year and I felt was well worth it (although I believe the Feds should require it be done for free for all consumers.) Anyway, after a few years they seemed to have dropped this service. I guess it competed with the more expensive credit monitoring services they were offering at $10 to $12 per month, an amount I am reluctant to pay for info which should be free. Does anyone know anything more about this?

I went to the www.creditkarma.com website out of curiosity as I have already received my free credit report from the Annual Credit Report website.

Moving right along, I went to www.creditkarma.com and the site looks credible (even has better business approval) - - HOWEVER, the signup page where you submit your personal information was N-O-T secure the first time I went in (according to my Firefox browser, So Beware!!!)

The second time I went into signup (within a span of 10 minutes) The page was Highly encrypted!
So I don't know what gives here.
The encryption is apparently inconsistent.
In any case - - just Beware of this website.

It's so trendy now in bank service - offer your an option to send your card information for your phone)

My mom was 'scammed' by one of those "TV" credit report companies. The one that is most often seen on TV. With the singing and dancing. There was a monthly bill from them on mom's bank statement. She had never signed up for them. Still have no idea how they got her credit card information. They had called her home once, and she didn't pick up. It went to voicemail. So, no credit card number that way. I don't understand how the company could still be in business just by changing names. They got sued before for fraud, by advertising their service as free when it wasn't.

Gotcha! Wanna pay for a ‘free’ credit report? An FTC study found issues with the three major credit bureaus.

http://www.consumerreports.org/cro/magazine/2012/07/gotcha-wanna-pay-for-a-free-credit-report/index.htm

I really wana thank you for providing such informative and qualitative material so often.

Why if there reports are free do you have to fill in your social security number and all information to make sure they have the right person then ask you to give a credit card number so you can be charged $1.00 then within 7 days be charged on the same card each month a additional fee. Why can't you be honest and put this information up front before you have to fill in all your information? I know this is how money is made but it is sly and now all my information if out there for someone else to use because I did not pay. FREE IS FREE and if there is a charge let us know up front.

EDITOR'S NOTE: Not sure what you're talking about. if you follow the link I gave (annualcreditreport.com), you can get all three credit reports for free. No $1 fee, no monthly fees. No strings attached.