Author Topic: How to get free experian report? (Read 4005 times)

moshiach1 · « **on:** January 08, 2013, 02:02:47 AM »

Is there another way besides for annual credit report? I got mine already within the past year

Cbs · « **Reply #1 on:** January 08, 2013, 04:00:34 AM »

If u had any activity like credit pulls in the last 60 days then experian offers a free report

moshiach1 · « **Reply #2 on:** January 08, 2013, 04:08:30 AM »

Quote from: Cbs on January 08, 2013, 04:00:34 AM

If u had any activity like credit pulls in the last 60 days then experian offers a free report

How through annual credit report.com? It didn't work for me , it said I need to mail in the form

Galitzyaner · « **Reply #3 on:** January 08, 2013, 07:31:41 AM »

Quote from: moshiach1 on January 08, 2013, 04:08:30 AM

How through annual credit report.com? It didn't work for me , it said I need to mail in the form

Just call the official phone number.

Smart · « **Reply #4 on:** January 08, 2013, 10:53:58 PM »

Quote from: moshiach1 on January 08, 2013, 04:08:30 AM

How through annual credit report.com? It didn't work for me , it said I need to mail in the form

Go to www.experian.com/reportaccess

nutcase · « **Reply #5 on:** January 08, 2013, 11:49:23 PM »

If you need to dispute something on your cr I know eq and tu gives you one for free not sure about ex. keep in mind there is no score provided with all these methods(mine and the comments above) when you do get the ex report write down the report number and you can access your updated report for at least 90 days ymmv I had it work with my report number for months.
here is how.
https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE&channel=8348

Galitzyaner · « **Reply #6 on:** January 09, 2013, 10:49:18 AM »

Credit sesame offers free info from Exp.
Just sayin.

Fako shmako, the info is accurate.

Saver2000 · « **Reply #7 on:** January 09, 2013, 10:50:26 AM »

Quote from: Galitzyaner on January 09, 2013, 10:49:18 AM

Credit sesame offers free info from Exp.
Just sayin.

Fako shmako, the info is accurate.

The info may be accurate, but the score isn't.

MosheP · « **Reply #8 on:** January 09, 2013, 10:59:20 AM »

Quote from: nutcase on January 08, 2013, 11:49:23 PM

If you need to dispute something on your cr I know eq and tu gives you one for free not sure about ex. keep in mind there is no score provided with all these methods(mine and the comments above) when you do get the ex report write down the report number and you can access your updated report for at least 90 days ymmv I had it work with my report number for months.
here is how.
https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE&channel=8348

With disputing on EX using an old report, will this work for recent activity not on the report? i.e. a recent hard pull, after the report was requested/created?

Galitzyaner · « **Reply #9 on:** January 09, 2013, 11:02:12 AM »

Quote from: Saver2000 on January 09, 2013, 10:50:26 AM

The info may be accurate, but the score isn't.

Correct, he never asked for a score.

nutcase · « **Reply #10 on:** January 09, 2013, 02:11:38 PM »

Quote from: MosheP on January 09, 2013, 10:59:20 AM

With disputing on EX using an old report, will this work for recent activity not on the report? i.e. a recent hard pull, after the report was requested/created?

yes when you use the link I posted with an old report it will show an updated report in real time so yes all new activity will show. If you are trying to dispute an inq. That is a whole different animal not at all easy anymore

PETERP · « **Reply #11 on:** January 10, 2013, 05:53:55 AM »

Quote from: nutcase on January 09, 2013, 02:11:38 PM

yes when you use the link I posted with an old report it will show an updated report in real time so yes all new activity will show. If you are trying to dispute an inq. That is a whole different animal not at all easy anymore

So if I use your link with a EXP cr report from July 2012 and enter the report number I will get a free
Updated report of just EXP pulls ? Or will it include TU and EQ .

I have gotten full reports from credit secure but that freebie is done for now

yare · « **Reply #12 on:** January 10, 2013, 06:23:54 AM »

Quote from: nutcase on January 08, 2013, 11:49:23 PM

If you need to dispute something on your cr I know eq and tu gives you one for free not sure about ex. keep in mind there is no score provided with all these methods(mine and the comments above) when you do get the ex report write down the report number and you can access your updated report for at least 90 days ymmv I had it work with my report number for months.
here is how.
https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE&channel=8348

awesome, worked for me. thanks

Moshe123 · « **Reply #13 on:** October 16, 2013, 10:53:21 AM »

Anyone else with the same experience?
When I log in with my report number, I always get a fresh report.

smaxber · « **Reply #14 on:** October 16, 2013, 11:12:55 AM »

http://www.experian.com/consumer-products/credit-report.html

offers report and score for $1 for 7 day trial....im assuming its FICO but i cant say for sure....

jwilliams1 · « **Reply #15 on:** October 16, 2013, 11:47:26 AM »

Quote from: smaxber on October 16, 2013, 11:12:55 AM

http://www.experian.com/consumer-products/credit-report.html

offers report and score for $1 for 7 day trial....im assuming its FICO but i cant say for sure....

Does it hurt anything to check your score a couple times?

Hiding · « **Reply #16 on:** October 16, 2013, 12:30:36 PM »

No, it doesn't hurt your score.

Dan · « **Reply #17 on:** October 16, 2013, 01:33:17 PM »

If something doesn't say FICO then odds are it's not.

jwilliams1 · « **Reply #18 on:** October 16, 2013, 02:47:32 PM »

Quote from: Dan on October 16, 2013, 01:33:17 PM

If something doesn't say FICO then odds are it's not.

Is there somewhere we can get fico score now for a $1 or something?

@Yehuda · « **Reply #19 on:** October 16, 2013, 02:52:20 PM »

Just sharing in case ppl don't know:

Free Equifax: https://aa.econsumer.equifax.com/aad/landing.ehtml

Free TransUnion: https://disclosure.transunion.com/dc/disclosure/disclosure.jsp

And just to get 'em all in here even though it was posted above, Free Experian: http://www.experian.com/reportaccess/index.html