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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 24904 times)

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #105 on: July 07, 2011, 01:09:21 PM »
The only thing I can suggest is a $1 trial of one of the triple services and by using a disposable credit card to prevent furture charges. But you kind of use up your 'free' cards with some of the services once you do that.

Can you recommend any that you know provide the full date (mm/dd/yyyy) for every inquiry? Identity Monitor and some others only show mm/yyyy.
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Offline scwam

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #106 on: July 07, 2011, 01:48:57 PM »
Sorry, I can not remember which one did not show full date exactly. I only remember and found it lacking that the citi monitor didn't show the full date. So I noticed that was out of the norm. I do know equifax (EQ Complete) trial, it will show full dates, but that could put you on the C* list if you go with them. I'm pretty sure that experian and transunion direct give full dates, but you of course use your free card once you do the trial (at least for some time).
Ok, I just checked my Transunion report obtained trough annualcreditreport.com and the full dates are listed, so TU direct should have that too (hopefully for their triple bureau as well). Quizzel (Experian) only shows experian inqs with full dates, Amex creditsecure is showing full dates on all three (i've not been able to churn that trial). The thing about these free trials, is they will only allow 1 triple pull on the very first time you pull from them. There are some off-brand pullers I can look for later.
« Last Edit: July 07, 2011, 01:52:02 PM by scwam »

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #107 on: July 07, 2011, 02:56:44 PM »
Sorry, I can not remember which one did not show full date exactly. I only remember and found it lacking that the citi monitor didn't show the full date. So I noticed that was out of the norm. I do know equifax (EQ Complete) trial, it will show full dates, but that could put you on the C* list if you go with them. I'm pretty sure that experian and transunion direct give full dates, but you of course use your free card once you do the trial (at least for some time).
Ok, I just checked my Transunion report obtained trough annualcreditreport.com and the full dates are listed, so TU direct should have that too (hopefully for their triple bureau as well). Quizzel (Experian) only shows experian inqs with full dates, Amex creditsecure is showing full dates on all three (i've not been able to churn that trial). The thing about these free trials, is they will only allow 1 triple pull on the very first time you pull from them. There are some off-brand pullers I can look for later.

Thanks.

What is C*?
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Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #108 on: July 07, 2011, 03:35:25 PM »
I just got my 3in1 and I realized something cool. My citi aa card which typically doesn't report the credit limit: after I lost it it got it replaced the new entry on my report has the account as a revolving account with a 12.5k credit line as opposed to the highest balance.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #109 on: July 07, 2011, 03:52:54 PM »
I just got my 3in1 and I realized something cool. My citi aa card which typically doesn't report the credit limit: after I lost it it got it replaced the new entry on my report has the account as a revolving account with a 12.5k credit line as opposed to the highest balance.

Hmmm, time to lose my AA card :D

/kidding
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Offline Dan

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #110 on: July 07, 2011, 03:56:25 PM »
Hmmm, time to lose my AA card :D

/kidding
Why kidding?
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 AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #111 on: July 07, 2011, 04:02:53 PM »
Why kidding?

My Citi (consumer) cards are all reported as revolving, showing my full credit line.
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Offline scwam

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #112 on: July 07, 2011, 04:08:47 PM »
I just got my 3in1 and I realized something cool. My citi aa card which typically doesn't report the credit limit: after I lost it it got it replaced the new entry on my report has the account as a revolving account with a 12.5k credit line as opposed to the highest balance.

They started that in late March. They used to be similar to NPSL cards in not reporting the limit. Anyone know if the saphire is reporting the credit lint? ;D

Offline easy48

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #113 on: July 07, 2011, 04:10:06 PM »
My Citi (consumer) cards are all reported as revolving, showing my full credit line.

Mine too.

Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #114 on: July 07, 2011, 04:12:04 PM »
They started that in late March. They used to be similar to NPSL cards in not reporting the limit. Anyone know if the saphire is reporting the credit lint? ;D
mine isnt

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #115 on: July 07, 2011, 04:21:26 PM »
They started that in late March. They used to be similar to NPSL cards in not reporting the limit. Anyone know if the saphire is reporting the credit lint? ;D
That's when I lost my card so I thought thats what triggered it, thanks for clarifying
They started reporting that way in march? or only for accounts opened after march?

Offline scwam

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #116 on: July 07, 2011, 04:31:03 PM »
That's when I lost my card so I thought thats what triggered it, thanks for clarifying
They started reporting that way in march? or only for accounts opened after march?
My account was opened in Oct, between my credit 2 credit pulls in feb and late march a credit line suddenly showed up
which kind of pissed me off since I just lowered the limit 2k thinking it would increase my chance for another approval
by avoiding having too much credit with them. Not that it matters much once I close it soon anyhow.

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #117 on: July 07, 2011, 07:51:38 PM »
I also noticed in my report that he old citi account is now stagnant on my experian report. It's stuck with the old balance and comes up as a maxed out unpaid account. How do dispute this with experian without buying a report directly from them? On there site they only allow you to dispute with a report number?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #118 on: July 08, 2011, 12:07:47 AM »
I also noticed in my report that he old citi account is now stagnant on my experian report. It's stuck with the old balance and comes up as a maxed out unpaid account. How do dispute this with experian without buying a report directly from them? On there site they only allow you to dispute with a report number?

If it's not true send them a letter, and send a letter to Citi.

If they don't remove it within 30 days I believe you have the right to sue.
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Offline elikay

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #119 on: July 08, 2011, 12:12:18 AM »
I think you can call them