Why aren't credit reports free?
Yes, I know you can request a free one once a year or whatever...but they should be free every day. I deserve to know how high or low my FICO score is and who I owe money to. It's MY credit. I should have access to it anytime I want. Somebody please explain to me why people get away with charging us to view information about our own lives.
Sorry. Didn't mean to go off on a rant there.
Cost money to keep all that history and tabulated.
You can get one free from EACH of the 3 credit bureaus per year, so what you do is rotate in period of 4 months. January, request from one, in May you do the next one, and in September/October do the next one.
Federal Law has mandated that you can get one free credit report a year from any credit bureau.
The ONLY website to go to get your free credit report is:
Because in the negotiations between lawmakers and the rating companies, the compromise between one side demanding openness (lawmakers) and the other side insisting on proprietary secrecy (the companies), the companies picked up the bill for...well, everything and the lawmakers decided once a year was good enough for you.
Never mind that the companies have been using our social security numbers as identification.
But it seems to me that a successful business model could simply be to charge to make changes to your report...but then the companies have no interest in getting the data right the first time.
The whole system's crap anyway.
by Chupp22 7 years ago
Does any one know a site I can visit to check my credit score for free?
by MomsTreasureChest 5 years ago
How do you get a free credit report?
by Niicks 6 years ago
Where to get free annual credit report ?
by Peeples 6 years ago
What is a trusted website to obtain a credit score from?I am looking for a quality website to get my credit score from. Anyone know of a trusted one that will only charge me for what I do that don't have a ton of fine print to trap you into other stuff?
by Stacie L 6 years ago
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by Anthony 7 years ago
Not sure what to do?I VERY recently got my first credit card and have been making payments and keeping up with it to build my credit. However, I got a letter in the mail stating that I've been denied a credit card from Fingerhut, a place I know a hundred percent I DID NOT apply to. It seems...
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