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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 25007 times)

yoav

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #165 on: January 30, 2012, 02:29:06 PM »
If you have recent pulls on your report (30 days or so), you can request a free copy from the bureau that was pulled (tell them you were declined), that one should have the dates of inquiries IIRC.
you have 60 days to request a credit report after being declined.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #166 on: January 30, 2012, 03:07:00 PM »
you have 60 days to request a credit report after being declined.

You're right.

I often get confused between 30 and 60 days.  :-[
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Offline mdrills

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #167 on: March 03, 2014, 08:53:26 PM »
Is there a link to get a free credit score the one that dan has his site seems to be expired

Offline MosheP

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #168 on: July 06, 2014, 10:49:04 AM »
Is there a product out there where I can check my 3 reports daily? I am particularly interested in seeing when my various credit cards are updated each month.

Offline cbenni

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #169 on: August 27, 2014, 11:21:52 PM »
My mint.com account now gives me a free score. Looks like it's every 3 months. Kind of nice I guess.

Offline dpk4588

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #170 on: August 28, 2014, 12:07:00 AM »
My mint.com account now gives me a free score. Looks like it's every 3 months. Kind of nice I guess.
FICO or FAKO?
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Offline cbenni

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #171 on: August 28, 2014, 12:11:05 AM »
FICO or FAKO?

Not sure...but I would have to guess FAKO

Offline sm8542

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #172 on: September 08, 2014, 04:49:47 PM »
Is there a product out there where I can check my 3 reports daily? I am particularly interested in seeing when my various credit cards are updated each month.
bump !!!!

Offline SearchGuy

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #173 on: September 08, 2014, 05:48:34 PM »
https://homedepot.allclearid.com/
Home Depot gives free identity monitoring
« Last Edit: September 08, 2014, 05:53:30 PM by SearchGuy »

Offline googwallet

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #174 on: September 09, 2014, 01:05:22 AM »
https://homedepot.allclearid.com/
Home Depot gives free identity monitoring
Is it worth anything?
Or is it the same as  Target offered identity monitor?

Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #175 on: December 30, 2014, 10:38:53 PM »
Just made a wiki here for the info necessary to  obtain your free credit report when denied credit.

PS. Obviously this works even if recon approves you later.

Offline TimT

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #176 on: December 30, 2014, 10:42:58 PM »
Just made a wiki here for the info necessary to  obtain your free credit report when denied credit.

PS. Obviously this works even if recon approves you later.
Is that only for report or score too ?

Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #177 on: December 31, 2014, 12:38:50 AM »
Is that only for report or score too ?
Only for reports. The score is not mandated by the law, but they will be desperate to sell it to you all through the phone tree.

Offline coralsnake

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #178 on: December 31, 2014, 10:30:51 AM »
Just made a wiki here for the info necessary to  obtain your free credit report when denied credit.

PS. Obviously this works even if recon approves you later.
Thanks for taking the time to add this to the wiki.

But one can easily go to the bureaus website and instantly access the report online. No need to call.

The exact links are on the forum somewhere. But they can be easily found by looking on the websites.
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