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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 44087 times)

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.
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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.
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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.
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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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Offline Smokey Joe Robinson

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #150 on: July 13, 2011, 08:24:05 PM »
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.
She said the 6.95 is only for 1 bureau (experian i believe). Which is really all anybody cares about. Which thread should I search in for that employee plan?
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Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #151 on: July 13, 2011, 08:26:48 PM »
She said the 6.95 is only for 1 bureau (experian i believe). Which is really all anybody cares about. Which thread should I search in for that employee plan?

I think the 1-bureau becomes 3 bureau, not sure though. Here's the $4.95 employee plan linky.
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Offline Smokey Joe Robinson

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #152 on: July 13, 2011, 08:28:45 PM »
I think the 1-bureau becomes 3 bureau, not sure though. Here's the $4.95 employee plan linky.
How does it become? *poof* ?
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Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #153 on: July 13, 2011, 08:33:44 PM »
How does it become? *poof* ?

I dunno, didn't do it. I seem to remember it being reported as really being three. I'm not sure.
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Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #154 on: July 13, 2011, 08:59:25 PM »
no the 6.95 only gets 1 bureau

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #155 on: July 13, 2011, 09:06:44 PM »
no the 6.95 only gets 1 bureau

Smokey Joe, I guess I'm wrong. But you might be able to get them to offer you something cheaper with 3 bureaus, e.g. $8.95. The $4.95 employee option clearly offers 3-in-1.
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Offline compddd

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #156 on: July 13, 2011, 09:37:28 PM »
So why not just go with the $4.95 plan? lol sounds good to me.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #157 on: July 13, 2011, 09:50:13 PM »
So why not just go with the $4.95 plan? lol sounds good to me.

Whatever works best for you.
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Offline Smokey Joe Robinson

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #158 on: July 13, 2011, 09:54:48 PM »
Whatever works best for you.
Im gonna stick with the 2.95 option for 5 months, Ill see after that. I stored that linky for the employee discount so I dont have to bother anybody if and when I decide to use it.
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Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #159 on: August 07, 2011, 06:22:01 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?
I ended up using a report number from over a year ago to initiate the dispute.
Moral of the story- Never delete your old reports even if you have Citi IM you can't dispute experian without a report number.