|
Warning: this site has caveats, so read this all! (Note also that this site is pretty much useful only for those living in the U.S., including its possessions.) ACR is run jointly by the big three U.S. credit report companies (TransUnion, Equifax and Experian). They are now required by law to provide each consumer a free copy of their credit reports on request every 12 months. This site is one way to get that. Why should you bother? Two big reasons: 1) to watch for suspicious activity so you can catch, say, identity thieves more quickly, and 2) to check for errors on your report(s) so you can get them corrected. By using the web site, you can instantly view all of your credit reports. They verify your identity by asking a number of questions about things they have in your file; it's reasonably secure, but weird to type in such things as your Visa Card number, mortgage payment, etc. but hey: they already know about that stuff! If it unnerves you, the site also tells you how to request your report copies by phone or mail. The biggest caveat: they pitch you hard when you use the online service to pay a fee to view your "credit score" and/or to sign up for a "credit monitoring" service. You don't need to do that to see your basic credit report, so if you're susceptible to such pitches, don't do it online, just use phone or mail. But one way or another, you should check your credit reports regularly. It's a rough world out there, and this is one way to fight back. From This is True for 23 October 2005 Suggestions for further reading:
 by Dana Neal Amazon Price: $19.80 Customer Review: I work for a credit union, and part of my job is to create financial education materials for our members. Lately I've been researching the hottest current topic: credit repair. I've read so many book on the subject, and spent hours and hours on th...  by Al Bingham Amazon Price: Customer Review: 15 % of the matrix is length of credit history. it takes about 12 years to get over this and reach to perfect 850. your score may stay 750+ to 800 in normal case (subject to Zero outstanding balance - using debit card or cash + no new in...  by Stephen Snyder Amazon Price: Customer Review: You need to have, use, and maintain credit to build wealth. Unfortunately, re-establishing credit after a bankruptcy filing is easy, but doing it the right way isn't. The book is an easy read and explains what the creditors look for in determining an...  by Steve Bucci Amazon Price: $16.49 Customer Review: Unfortunatly I never received this book. Never received a confirmation number to track it. Overall very disappointed.  by Robin Leonard J.D., John Lamb Attorney Amazon Price: $18.24 Customer Review: I am still working to improve my score, and my husbands. It's so frustrating because 5 years ago I cut up all my CC's and they all de-activated eventually or closed due to inactivity or I closed them, I thought this was a good thing, turns out it mea... Newsfeed display by CaRP |
About the Site
About This is True About the Authors Subscribe Free to This is True and see the Sites when they're issued!
Prev: Cost of Living Calculator Next: IVR Cheat Sheet | |