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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 24900 times)

Offline Nitantnel

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #180 on: January 03, 2015, 10:01:59 PM »
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.
Were you referring to the Kmart thing?

Iv'e noticed that with Equifax and Transunion  you can begin initiating a dispute and you will be given access to your CR. However with Experian  you must  have the report number.

Offline davidd75

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #181 on: August 20, 2015, 02:48:17 PM »
Is there anyway to speak with a live  rep at experian without a credit report number?

Offline Ydad

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #182 on: September 02, 2015, 10:57:43 PM »
Just state you received AA. It does not have to be recent. It seems they do not check.
+1 I just called experian for my credit report. I said I was denied credit and they sent me my report. That denial was over 60 days ago! (Ink card that I really wanted )
« Last Edit: September 02, 2015, 11:14:06 PM by Ydad »

Offline MosheD

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #183 on: September 24, 2015, 01:59:39 AM »
So finally decided to make sure report is good after playing this game for a while.
Back when I was in HS my father added me to his card (Con Pres Plus) and it is still on my report. (Funny bec I am on one other of his cards [ink] and its not there...)
Either way he carries a high (50%) util rate. If I dispute it, how long until my score goes up?
Also, what is best/fastest way to dispute? I did experian online so far...

« Last Edit: September 24, 2015, 02:31:31 AM by MosheD »

Offline Jack out of the box

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #184 on: December 07, 2015, 04:09:05 PM »
Anybody know what this means?





Offline avromie7

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #185 on: December 07, 2015, 04:26:25 PM »
I wonder what people who type "u" instead of "you" do with all their free time.