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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 44044 times)

Offline mclovin

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #80 on: May 18, 2011, 02:43:22 PM »
i have a freeze on experian and i wasnt able to do the new equifax trial dan posted. (they said have to be able to give me all 3) anyone else have this problem.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #81 on: May 18, 2011, 03:50:03 PM »
i have a freeze on experian and i wasnt able to do the new equifax trial dan posted. (they said have to be able to give me all 3) anyone else have this problem.

Have you tried Citi Identity Monitor?

Find out what it cost (in your state) to temporarily remove the freeze. In NY Experian advised me that it cost $5.41 to temporarily/permanently lift the freeze, but it varies by state.
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Offline Spiffster

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #82 on: May 18, 2011, 11:15:47 PM »
Officially? Hmm, I thought the point of this whole game was to find the unofficial perks... 

top-quoting/bottom-quoting is about as old an argument on the net as Al Gore's pedigree...  I prefer bottom quoting because it's easier to read the message without having to sift through old messages.  Most times, quotes aren't needed in a web forum because the page up/dn key is....  right... over... there....  So, I should probably stop quoting as much ss I do - old habit from the 80s...

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #83 on: May 19, 2011, 04:26:44 AM »
Officially? Hmm, I thought the point of this whole game was to find the unofficial perks... 

top-quoting/bottom-quoting is about as old an argument on the net as Al Gore's pedigree...  I prefer bottom quoting because it's easier to read the message without having to sift through old messages.  Most times, quotes aren't needed in a web forum because the page up/dn key is....  right... over... there....  So, I should probably stop quoting as much ss I do - old habit from the 80s...

The DDF trend thus far has (ovewhelmingly) been top quoting.

Quoting is important on DDF, so we all know who you're responding to.
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Offline HSS

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #84 on: May 19, 2011, 06:19:54 AM »
i have a freeze on experian and i wasnt able to do the new equifax trial dan posted. (they said have to be able to give me all 3) anyone else have this problem.

I had same thing..... I saw that it would cost me the same $5.44 to temporarily remove the freeze as it would to permanently do so.. I went ahead and just permanently removed it (for now) because I already did my Chase apps while it was frozen so the freeze accomplished its purpose.

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #85 on: May 19, 2011, 06:47:22 AM »
I had same thing..... I saw that it would cost me the same $5.44 to temporarily remove the freeze as it would to permanently do so.. I went ahead and just permanently removed it (for now) because I already did my Chase apps while it was frozen so the freeze accomplished its purpose.

Yup. $5 is a small price to pay to get Chase apps approved. Anyone have any idea if TU/EQ also charge $0 for a freeze and ~$5 to lift it in NY?
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Offline myb821

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #86 on: May 19, 2011, 07:51:06 AM »
How did it work out for u hss

Offline mclovin

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #87 on: May 19, 2011, 02:30:42 PM »
Have you tried Citi Identity Monitor?

Find out what it cost (in your state) to temporarily remove the freeze. In NY Experian advised me that it cost $5.41 to temporarily/permanently lift the freeze, but it varies by state.
i have citi but i wanted real fico score. i prob will unfreeze

Offline Spiffster

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #88 on: May 20, 2011, 06:46:39 PM »

Just because you've been doing it that way, doesn't mean it's right..   8)

Top quoting is better when you're replying sentence by sentence, interleaving the quote & reply - usually confined to the argumentative threads where you're responding individually to each point in a post.  But top posting, imo, works better because you can see the reply right at the top and if you remember the context of the conversation, it saves you from having to read through the quote.  And if you forget, the quote is right... down... there....  It's really not a big deal to me as there are more important things to argue about (not that I think you're arguing and I'm certainly not).



The DDF trend thus far has (ovewhelmingly) been top quoting.

Quoting is important on DDF, so we all know who you're responding to.

Offline Spiffster

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #89 on: May 20, 2011, 06:50:02 PM »
If you go to Clark Howard's site, he has the links for each CRs freeze page.  Each CR's freeze page has a link to the prices they each charge for residents of each state.

Generally, they're all free for seniors and active duty.

Yup. $5 is a small price to pay to get Chase apps approved. Anyone have any idea if TU/EQ also charge $0 for a freeze and ~$5 to lift it in NY?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #90 on: May 20, 2011, 07:18:12 PM »
If you go to Clark Howard's site, he has the links for each CRs freeze page.  Each CR's freeze page has a link to the prices they each charge for residents of each state.

Generally, they're all free for seniors and active duty.

For Experian all I see is a page for each state, is there a chart for all states?
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Offline Spiffster

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #91 on: May 22, 2011, 05:33:16 PM »
i guess experian doesn't have a chart on their site.  You have to go here and pick your state.
http://www.experian.com/consumer/security_freeze.html

charts for eq & tu:
equifax: https://help.equifax.com/app/answers/detail/a_id/75/search/1
transunion: http://www.transunion.com/corporate/personal/fraudIdentityTheft/fraudPrevention/securityFreezeTable.page

For Experian all I see is a page for each state, is there a chart for all states?

Offline dans fan

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #92 on: June 13, 2011, 11:27:44 PM »
anyway to get free fico score now

Offline Saver2000

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #93 on: June 27, 2011, 05:58:01 PM »
Is credit karma scores fako?

Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #94 on: June 27, 2011, 05:59:46 PM »
@saver2k
Credit karma is fako

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #95 on: June 28, 2011, 07:12:49 PM »
Anyone know of a free/cheap and easy way to pull a report (score not needed) that shows pull/inquiry dates for all three bureaus? Identity monitor only shows month and year.
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Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #96 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?

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #97 on: July 07, 2011, 12:49:23 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?

Nope, new username, same info, works like a charm once the old username is completely dead (up to a month from when you cancel IME), otherwise you have issues getting it to work.
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Offline smurf

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #98 on: July 07, 2011, 12:51:32 AM »
Nope, new username, same info, works like a charm once the old username is completely dead (up to a month from when you cancel IME), otherwise you have issues getting it to work.
I cancelled a while ago but I'm still able to login with my old u/n. no available info though

Offline AsherO

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Re: Getting Free Credit Report / Score - Identity Monitor Substitutes
« Reply #99 on: July 07, 2011, 12:55:18 AM »
I cancelled a while ago but I'm still able to login with my old u/n. no available info though

But also no 30-day trial for $1, right?
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