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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 44048 times)

Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #20 on: April 06, 2011, 02:14:34 PM »
Just got Citi ID Monitor. Where on it can I see what credit companies did the pull for my CCs?
go to ier credit report and scroll down

Offline LAXtraveler

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #21 on: April 06, 2011, 02:15:37 PM »
go to ier credit report and scroll down

I did. Under inquiries it shows the bank that asked for an inquiry, but not who did the pull.

Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #22 on: April 06, 2011, 02:16:45 PM »
I did. Under inquiries it shows the bank that asked for an inquiry, but not who did the pull.
did u allow them to pull all 3 credit reports for u to see

Offline LAXtraveler

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #23 on: April 06, 2011, 02:17:22 PM »
did u allow them to pull all 3 credit reports for u to see

I don't think they asked me that when I was signing up. How do I make sure they do that?

Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #24 on: April 06, 2011, 02:18:57 PM »
I don't think they asked me that when I was signing up. How do I make sure they do that?
i dont remember after i signed up there was somewhere i needed to click to allow them to pull all 3

Offline Cholentfresser

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #25 on: April 06, 2011, 02:22:41 PM »
How do I make sure they do that?
when u sign in, on the left, there's a box that says something about all 3 reports, click on that.
In order to understand recursion, you first need to understand recursion.

Offline LAXtraveler

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #26 on: April 06, 2011, 02:23:04 PM »
i dont remember after i signed up there was somewhere i needed to click to allow them to pull all 3

At the top it says all the records below are based on Experian. Does that mean anything listed there has been an Experian pull?

Also, there was a box on the left offering instant acccess to 3-1 credit report for all 3 scores, but it wouldn't go through when I clicked it.

Offline yaakov s

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #27 on: April 06, 2011, 02:27:57 PM »
when I pull it up its charging $4.95 for it , does anyone have a link for $1 for the first 30 days and then you cancel

Offline LAXtraveler

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #28 on: April 06, 2011, 02:28:38 PM »
when I pull it up its charging $4.95 for it , does anyone have a link for $1 for the first 30 days and then you cancel

Try typing in identitymonitor.citi.com

Offline Cholentfresser

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #29 on: April 06, 2011, 02:28:42 PM »
but it wouldn't go through when I clicked it.
the same thing happened to me, it said that's they'll keep trying and if they can't do they'll refund the money i paid for the service. ($1). but i think that's the place it says which pulls came from where.
In order to understand recursion, you first need to understand recursion.

Offline LAXtraveler

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #30 on: April 06, 2011, 02:29:26 PM »
the same thing happened to me, it said that's they'll keep trying and if they can't do they'll refund the money i paid for the service. ($1). but i think that's the place it says which pulls came from where.

Did you eventually get it, or you're still waiting?

Offline yaakov s

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #31 on: April 06, 2011, 02:32:30 PM »
Try typing in identitymonitor.citi.com
got it thanks

Offline Bp

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #32 on: April 06, 2011, 05:04:17 PM »
Why are you guys using the citi identity monitor! Go with CreditSecure from American Express its $1.99 for the first month, and you can pull(soft pull) from all 3 bureaus every 24 hours. It may help for bumpage (doesn't look like bumpage helps by experian)   
« Last Edit: April 06, 2011, 05:32:46 PM by Bp_man »

Offline scwam

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #33 on: April 06, 2011, 10:27:03 PM »
Because you can't rinse and repeat the amex deal. At least I couldn't.
About Citi Identity Monitor: does this only allow 1 3-pull per 30 days?
And what is it about this 'bumpage'? I've been pulling my credit a lot for
the past 2 years with different services and nearly everyday from CreditKarma
and I never had inqs fall off. Sounds like a load of bull to me. ::)

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #34 on: April 06, 2011, 11:48:46 PM »
Because you can't rinse and repeat the amex deal. At least I couldn't.
About Citi Identity Monitor: does this only allow 1 3-pull per 30 days?
And what is it about this 'bumpage'? I've been pulling my credit a lot for
the past 2 years with different services and nearly everyday from CreditKarma
and I never had inqs fall off. Sounds like a load of bull to me. ::)

You need as many as 100 bumps. Credit Karma will only bump your TU pulls.
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Offline scwam

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #35 on: April 07, 2011, 02:13:53 AM »
Never seen any inqs fall of TU.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #36 on: April 07, 2011, 02:55:47 AM »
Never seen any inqs fall of TU.

How many bumps are we talking about? Make sure you didn't get chopped (i.e. have your soft inquiries consolidated).
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Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #37 on: April 07, 2011, 03:38:38 AM »
Just got this offer, Amex free/complimentary 30 day access to Experian report and score. Might be targeted.

Edit: Definitely not targeted, looks like it's for first time only.

« Last Edit: April 07, 2011, 03:42:59 AM by AsherO »
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Offline YudiG

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #38 on: April 12, 2011, 02:02:06 AM »
idk...just used annuacreditreport to see the aftermath of a amex fr...experian had no negative reports so that is a gr8 sign being that it did have all 3 amex closings on it from last week...they havent shown up yet though on TU and equifax....though both those reports were very positive as well...at this point should i be concerned to get an actual score?

any tips how? the citi identity doesn't work for some reason...

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #39 on: April 12, 2011, 02:12:27 AM »
any tips how? the citi identity doesn't work for some reason...

Doesn't work? What do you mean? What messages/errors do you get?
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