- Centurion Member
- Posts: 410
- Joined: Wed Jun 04, 2014 1:06 pm
- Location: Chicago
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