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Denied Credit? Get your free credit report by calling these numbers:

Equifax
1-800-685-1111
Then press 1,2, Say your state, 1, Numeric portion of address, 1, SS,1,3,2,1, 1; and you're done!

Experian
1-888-397-3742
(Make sure to call from the area code associated with the address on the report.)
Then press 1,1,1, SS#,1,MMDDYYYY,1,Zip code,#, numeric portion of address,2, and you're done.



TransUnion Consumer Relations
1-800-888-4213
Then press: Zip, SS,MMDDYYYY, numeric portion of address,#,2, 2, 2.
 
« Last edited by Nitantnel on May 29, 2015, 02:45:01 PM »

Author Topic: Getting Free Credit Report / Score - Identity Monitor Substitutes  (Read 22007 times)

Offline HSS

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I was wondering if anyone knew of any good programs to sign up for to get free credit report / score.

Yes I am aware that everyone can get a free report from each bureau each year by going to www.annualcreditreport.com, but this isnt what I want.

What I am referring to is something similar to Citi Identity Monitor www.identitymonitor.citi.com which I have signed up for approximately 20 times and gotten my free scores and credit report each time from all 3 bureaus and then just cancel before the month is over and then rince and repeat the next month.  Citi now charges a dollar for the first month which is still possible worth it for a month of their service and your reports and scores, but free is still better than a buck!!

Anyone know of any other good ones similar that allows you to sign up and then cancel within the month to avoid getting charged?

Thanks!!

Offline HSS

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #1 on: November 17, 2010, 12:17:01 AM »
Anyone have any thoughts????

Offline elikay

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #2 on: November 17, 2010, 02:24:17 AM »
credit karma?

Offline mancunian

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #3 on: November 17, 2010, 05:28:54 PM »
new thing credit sesame

but this is how my report looked

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #4 on: November 17, 2010, 09:53:21 PM »
new thing credit sesame

That's a great credit score :D
PGF24BMGS

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #5 on: March 16, 2011, 06:01:02 PM »
Bump. Any credit monitoring (all three bureaus) with FAKO and alerts for $5 a month or less? I need something where I can see the actual report, not just summaries (i.e. who my hard pulls are from).
PGF24BMGS

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #6 on: March 16, 2011, 06:35:46 PM »
Bump. Any credit monitoring (all three bureaus) with FAKO and alerts for $5 a month or less? I need something where I can see the actual report, not just summaries (i.e. who my hard pulls are from).
what about hss's method of churning :D citis identity monitor?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #7 on: March 16, 2011, 06:49:33 PM »
what about hss's method of churning :D citis identity monitor?

It cost $1, for $4 more a month I prefer to have something that doesn't require a monthly call. One less thing to remember each month.
PGF24BMGS

Offline Yellow

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #8 on: March 16, 2011, 07:22:40 PM »
It cost $1, for $4 more a month I prefer to have something that doesn't require a monthly call. One less thing to remember each month.
+1 I have done it twice and have been happy, but how much longer till they realize i'm "churning" this deal? And their score is FAKO, but is it at least somewhat accurate and similar to FICO? (some of these free ones are wayyy off IME)

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #9 on: March 16, 2011, 07:29:02 PM »
+1 I have done it twice and have been happy, but how much longer till they realize i'm "churning" this deal? And their score is FAKO, but is it at least somewhat accurate and similar to FICO? (some of these free ones are wayyy off IME)

For me it's more about convenience.

The 'way-off' scores you're referring to are probably like VantageScore, not even intended to be a FICO simulation.
PGF24BMGS

Offline LAXtraveler

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #10 on: March 25, 2011, 12:14:01 PM »
Does anyone have suggestions as to when the best time to use the once every 12 month free report from annualcreditreport.com. I have been opening new cards recently and would love to see my full report to gauge where the hard pulls have been coming from, but I don't know if it is worth doing right now.

How good is the citi identity monitoring for $1? Even if its not a true FICO, does it give you the list of the hard pulls and what agency (TU, EX, EQ) made the pull?

Offline Dan

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #11 on: March 25, 2011, 12:23:32 PM »
Even if its not a true FICO, does it give you the list of the hard pulls and what agency (TU, EX, EQ) made the pull?
Yes.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #12 on: March 25, 2011, 02:30:07 PM »
Yes.
Citi identity is fako correct? And how accurate are fako scores?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #13 on: March 25, 2011, 02:36:51 PM »
Citi identity is fako correct? And how accurate are fako scores?

They're a simulation, I guess it depends on how similar their algorithm is to FICO.
PGF24BMGS

Offline aussiebochur

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #14 on: March 25, 2011, 02:42:11 PM »
Citi identity is fako correct? And how accurate are fako scores?
Its accurate but a different score.