Annual Credit Report

For just about anything you want to get off your chest about credit cards.
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jojo
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Annual Credit Report

Postby jojo » Fri Jan 02, 2015 5:12 pm

Lots of you may know about this already. If you do, I apologize for bringing it up. For those that don't, please read on.

In the US, there's a federal law allows that consumers to obtain a free credit report every 12 months from each of the credit reporting agencies (Equifax, TransUnion, and Experian). I try to request my reports at the beginning of the year to check for accuracy. Most of the time, you can review the report right away and initiate a dispute online for inaccurate information. You can chose to view reports from all three agencies at once or request a report from a single agency. Please note, the free report does not include your credit score. Here's the link:

https://www.annualcreditreport.com/index.action

***

I only pulled my Equifax report today. I'll save the other two for later in the year. My report was clean and accurate, which surprised me since EQ has always been the messiest of the three agencies for me. The only interesting thing to note is that my Freedom and CSP accounts now report as a "Flexible Spending Credit Card" instead of "Credit Card".


popamode72
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Postby popamode72 » Fri Jan 02, 2015 9:41 pm

I tried doing that with my EQ report and they said I had to mail in some stuff or something. Idk. I've gotten mixed results by using that. I especially loathe it when they give you ID questions that have absolutely nothing to do with what's actually on your report and you happen to fail the verification test because of that.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

ingramjuan
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Postby ingramjuan » Sat Jan 03, 2015 2:00 am

Pulled all 3, I like to compare side by side. Hope they add the credit scores in the future.
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

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PlyrStar93
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Postby PlyrStar93 » Sat Jan 03, 2015 8:14 am

Right now I have weekly free access of reports from Equifax and TransUnion via CreditKarma from the end of last year, so I don't have to pay for them or get free ones from annualcreditreport.com, if just for viewing (not disputing) reports.

Should I ever need a complete TransUnion report (which includes soft pulls, etc.), I just request a soft pull CLI from Discover and get adverse action, and pull the report from disclosure.transunion.com, so that's unlimited free report access, as long as Discover doesn't approve me and list whatever reason "based on credit report". Never need to pay a cent to TransUnion, nor having to wait a year before pulling next report.

I have never pulled a report from Experian, only have a credit monitoring service that's expiring soon.

But back to AnnualCreditReport, I was never able to pull reports from ANY bureau at that site. I was required to mail stuff, which I don't want to bother. I have free access through alternative approach, so not too worried. I tried Equifax there last year, after failing the attempt I had to setup an account on Equifax. Even setting the account involved calling them. I eventually had the account created, and ended up buying the report.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
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takeshi
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Postby takeshi » Sat Jan 03, 2015 7:33 pm

jojo wrote:Please note, the free report does not include your credit score. Here's the link:

CRA's don't provide FICO's anyway. Though I think there is a recent exception. Can't recall which one it is off the top of my head.

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PlyrStar93
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Postby PlyrStar93 » Sat Jan 03, 2015 9:20 pm

takeshi wrote:CRA's don't provide FICO's anyway. Though I think there is a recent exception. Can't recall which one it is off the top of my head.

It's Equifax. While they sell their own scoring model with reports, they do sell FICO score for a higher price. It's been pretty much long time.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Sat Jan 03, 2015 9:29 pm

takeshi wrote:CRA's don't provide FICO's anyway. Though I think there is a recent exception. Can't recall which one it is off the top of my head.


Experian has also recently changed their services so that you can get the FICO 8 score from them as well.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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