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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 24899 times)

Offline Saver2000

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #120 on: July 08, 2011, 12:34:01 AM »
Is quizille a legit site?

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #121 on: July 08, 2011, 01:35:50 AM »
I think you can call them
which one do I call experian or citi? I spent quite a while on experians site and they make it very hard for you to dispute your report without buying a product from them.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #122 on: July 08, 2011, 01:38:11 AM »
which one do I call experian or citi? I spent quite a while on experians site and they make it very hard for you to dispute your report without buying a product from them.

They have an address at which you can mail disputes, they're legally required (regardless of whether you have an account with them or not) to follow up on all such communications and remove any inaccurate information.
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Offline irleetnoob

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #123 on: July 08, 2011, 01:47:20 AM »
Is quizille a legit site?

Yup, Quizzle works well. It only updates twice a year though, I believe. Still not terrible for free Experian + report.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #124 on: July 08, 2011, 01:48:04 AM »
Yup, Quizzle works well. It only updates twice a year though, I believe. Still not terrible for free Experian + report.

Six months is a lifetime when it comes to my credit reports refreshing....
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Offline doublejay

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #125 on: July 08, 2011, 02:06:57 AM »
I think this was gone for a while but my fico is offering a free trial again for real FICO score.

Linky:
http://www.myfico.com/

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #126 on: July 08, 2011, 02:21:11 AM »
I think this was gone for a while but my fico is offering a free trial again for real FICO score.

Linky:
http://www.myfico.com/

But:

Quote
Thank you for visiting myFICO.com®.

Sorry, our records indicate that you’ve already participated in our Free Trial offer and we’re only able to provide one free trial per consumer every 24 months (once every two years).

If you have any questions, please call the myFICO® customer service department toll-free at at 1-800-319-4433 Monday - Friday 6:00AM - 6:00PM or Saturday 7:00AM - 4:00PM PST.
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Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #127 on: July 08, 2011, 02:50:19 AM »

[/quote] asherO

Why do you need they do not offer TU or Ex!

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #128 on: July 08, 2011, 03:00:17 AM »
asherO

Why do you need they do not offer TU or Ex!

I'm not sure I understand your question, but all three of my credit reports are equally important, when it comes to getting a complete snapshot of my credit-situation, and deciding/planning what I'd like to (and can expect to) do next.
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Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #129 on: July 08, 2011, 03:02:05 AM »
I'm not sure I understand your question, but all three of my credit reports are equally important, when it comes to getting a complete snapshot of my credit-situation, and deciding/planning what I'd like to (and can expect to) do next.

What's the 14.95? Did I click on something wrong?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #130 on: July 08, 2011, 03:07:47 AM »
What's the 14.95? Did I click on something wrong?

Not sure. I see it says "Free Instant Online Access" in a blue box, and within it an orange box reading "Get FICO Score" which you are supposed to click.

It's a trial and if you don't cancel within 30 days they start charging you $14.95 or whatever it is.
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Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #131 on: July 08, 2011, 08:39:46 AM »
Not sure. I see it says "Free Instant Online Access" in a blue box, and within it an orange box reading "Get FICO Score" which you are supposed to click.

It's a trial and if you don't cancel within 30 days they start charging you $14.95 or whatever it is.
cancel within 10 days

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #132 on: July 08, 2011, 09:23:44 AM »
cancel within 10 days

My point was it's a trial and if Nitantnel clicked for that he'd only have to pay $14.95 after the trial is up.
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Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #133 on: July 08, 2011, 09:25:05 AM »
just saying the trial is only 10 days

Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #134 on: July 08, 2011, 11:52:53 AM »
Do pulls have a negative effect in and of itself, or just because they lower you're score. I want to know if I should apply on my name - I have a score of 758 and 9 pulls, or my wife's name, who has 737 and just 5 pulls?

The other option is freeze my Experian where almost  all of my New York pulls are form, but no clue how to do that. Plus it won't won't for Amex.

Thanks in advance!