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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 25000 times)

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #135 on: July 08, 2011, 11:54:07 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.

How many pulls do each of you have n the past six months?

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Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #136 on: July 08, 2011, 12:09:29 PM »
I have 5, she has 3 - but only 2 of her recent pulls are on experain.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #137 on: July 08, 2011, 12:11:11 PM »
I have 5, she has 3 - but only 2 of her recent pulls are on experain.

You have 5 on Experian in the past 6 months? I'd say go with hers, especially if she has any Amex accounts (or is even an AU on one).
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Offline easy48

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #138 on: July 10, 2011, 07:16:33 PM »
those who've "churned" citi im. What was the reapplication process? did you have to start from scratch? were you able to use your old u/n p/w?

Have you done this yet?  Im about due for a churn on this and not sure how to go about it without getting charged for the $12.  Did you churn it?

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #139 on: July 10, 2011, 07:20:03 PM »
I followed ashero's instructions. I created a new u/n and p/w and resubmitted all my info.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #140 on: July 10, 2011, 07:26:33 PM »
Have you done this yet?  Im about due for a churn on this and not sure how to go about it without getting charged for the $12.  Did you churn it?

Cancel the old one within 30 days and you won't get charged.
My barber needs your support, hes a real sweetheart.

https://www.gofundme.com/f/save-our-barber-shop

Offline easy48

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #141 on: July 10, 2011, 07:39:48 PM »
Cancel the old one within 30 days and you won't get charged.

And then sign up for a new one?

So I should not ever check the old one again right?  (IIUC)

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #142 on: July 10, 2011, 07:45:17 PM »
And then sign up for a new one?

So I should not ever check the old one again right?  (IIUC)

The old one will work (alerts) for like 45 days from signup (even after you've cancelled), then you'll be able to sign up with a new username.
My barber needs your support, hes a real sweetheart.

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Offline easy48

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #143 on: July 10, 2011, 07:46:53 PM »
then you'll be able to sign up with a new username.

"then" meaning after 45 days or after cancellation?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #144 on: July 10, 2011, 07:53:11 PM »
"then" meaning after 45 days or after cancellation?

Whenever the old one stops sending alerts. It's sometime after cancellation.
My barber needs your support, hes a real sweetheart.

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Offline easy48

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #145 on: July 10, 2011, 07:55:51 PM »
got it.  thank you kind sir.

Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #146 on: July 12, 2011, 05:28:26 PM »
These people make it so annoying to cancel - any help please?
« Last Edit: July 12, 2011, 07:10:53 PM by Nitantnel »

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #147 on: July 12, 2011, 05:31:57 PM »
These people make it so damn annoying to cancel - any help please?
How hard can they make it? just call up and cancel..

Offline Smokey Joe Robinson

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #148 on: July 13, 2011, 08:16:00 PM »
Im sure this is posted somewhere so forgive my ignorance buttt I called to cancel citi identity monitor and after they informed me that I have 42-45 days not 30 for the trial, I asked if they can reduce the price.....2 minutes later: She offered to send 5 $10 mastercard GCs in 2 weeks, each one valid for one month for the next 5 months. $2.95 for monitoring 3 bureaus doesnt sound so bad afterall ;D
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Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #149 on: July 13, 2011, 08:21:49 PM »
Im sure this is posted somewhere so forgive my ignorance buttt I called to cancel citi identity monitor and after they informed me that I have 42-45 days not 30 for the trial, I asked if they can reduce the price.....2 minutes later: She offered to send 5 $10 mastercard GCs in 2 weeks, each one valid for one month for the next 5 months. $2.95 for monitoring 3 bureaus doesnt sound so bad afterall ;D

Yup. People here got that offer bundles with $6.95/month for monitoring, comes out to -$3.05/month for monitoring. They also have a $4.95 employee plan (but AFAIK doesn't bundle with $50 in GCs), I posted the link somewhere here as well.
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