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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 24901 times)

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.

Offline AJK

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #160 on: January 30, 2012, 12:54:22 PM »
Anyone know a place where I can get free or cheap trial access to my credit reports that give the exact dates of inquiries?
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Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #161 on: January 30, 2012, 01:01:59 PM »
Anyone know a place where I can get free or cheap trial access to my credit reports that give the exact dates of inquiries?

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.
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Offline AJK

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #162 on: January 30, 2012, 01:04:12 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.

1) Pulls are older than 30... So I guess my search continues.
2) Anyone ever request a free copy from the bureau saying you were declined if a) you weren't or b) its been >30 days?
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Offline HelpMe

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #163 on: January 30, 2012, 01:11:11 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.
Just state you received AA. It does not have to be recent. It seems they do not check.
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Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #164 on: January 30, 2012, 01:16:09 PM »
Just state you received AA. It does not have to be recent. It seems they do not check.

+1, I've always believed this to be true, and I'm glad to hear confirmation.

Your free annual credit reports should also have the info you're looking for.
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