Author Topic: Getting Free Credit Report / Score - Identity Monitor Substitutes (Read 44452 times)

Saver2000 · « **Reply #120 on:** July 08, 2011, 12:34:01 AM »

Is quizille a legit site?

smurf · « **Reply #121 on:** July 08, 2011, 01:35:50 AM »

Quote from: elikay on July 08, 2011, 12:12:18 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.

AsherO · « **Reply #122 on:** July 08, 2011, 01:38:11 AM »

Quote from: smurf on July 08, 2011, 01:35:50 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.

irleetnoob · « **Reply #123 on:** July 08, 2011, 01:47:20 AM »

Quote from: Saver2000 on July 08, 2011, 12:34:01 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.

AsherO · « **Reply #124 on:** July 08, 2011, 01:48:04 AM »

Quote from: irleetnoob on July 08, 2011, 01:47:20 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....

doublejay · « **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/

AsherO · « **Reply #126 on:** July 08, 2011, 02:21:11 AM »

Quote from: doublejay 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/

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.

Nitantnel · « **Reply #127 on:** July 08, 2011, 02:50:19 AM »

[/quote] asherO

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

AsherO · « **Reply #128 on:** July 08, 2011, 03:00:17 AM »

Quote from: Nitantnel on July 08, 2011, 02:50:19 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.

Nitantnel · « **Reply #129 on:** July 08, 2011, 03:02:05 AM »

Quote from: AsherO on July 08, 2011, 03:00:17 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?

AsherO · « **Reply #130 on:** July 08, 2011, 03:07:47 AM »

Quote from: Nitantnel on July 08, 2011, 03:02:05 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.

myb821 · « **Reply #131 on:** July 08, 2011, 08:39:46 AM »

Quote from: AsherO on July 08, 2011, 03:07:47 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

AsherO · « **Reply #132 on:** July 08, 2011, 09:23:44 AM »

Quote from: myb821 on July 08, 2011, 08:39:46 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.

myb821 · « **Reply #133 on:** July 08, 2011, 09:25:05 AM »

just saying the trial is only 10 days

Nitantnel · « **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!

AsherO · « **Reply #135 on:** July 08, 2011, 11:54:07 AM »

Quote from: Nitantnel 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.

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

Nitantnel · « **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.

AsherO · « **Reply #137 on:** July 08, 2011, 12:11:11 PM »

Quote from: Nitantnel on July 08, 2011, 12:09:29 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).

easy48 · « **Reply #138 on:** July 10, 2011, 07:16:33 PM »

Quote from: smurf on July 07, 2011, 12:45:23 AM

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?

smurf · « **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.

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Author Topic: Getting Free Credit Report / Score - Identity Monitor Substitutes (Read 44452 times)