A Credit Card Required For A Free Credit Report
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Copyright 2006 Richard Keir Millions of Americans have sought and received a free credit , California Bad Mortgage Loans How Credit Ratings Affects Approval report under the FACT Act amendments to the Fair Credit , Cards Abroad How To Save On Charges Reporting Act. While there are a ton of online sites offering 'free' credit , Refinance Your House Avoid Prepayment Penalties And Other Potential Fees reports, there are really only three major credit , Mortgage Scams Did You Fall For One reporting companies: Equifax, Experian (which used to be TRW) and TransUnion. If you go to one of their sites ( www.experian.com, www.equifax.com, www.transunion.com ). You'll quickly discover that the "free" report they offer directly requires you to sign up, using a credit card, , Forming A Good Budget for a monthly service. These monthly services offer you thirty days free - but you absolutely must remember to cancel your membership before the 30 days end or you will be charged. Each site also contains information about how to , Making A Credit Card Work For You obtain an actual free report. This information, which is basically identical on all three sites, states the following: Under Federal law, you have the right to receive a free copy of your credit , Use Real Estate Loans To Finance A Commercial Or Residentialproperty report once every 12 months from each of the three nationwide consumer reporting companies. , The Problem With Hedge Funds To request your free annual report under that law, go to www.annualcreditreport.com. I thought that was very interesting and went to check out the process. Oddly enough when I went to that site, I got an error page and the following message: "The page cannot be found The page you are looking for might have been removed, had its name changed, or is temporarily unavailable." This is not a default server/browser error page. The URL for it is: https://www.annualcreditreport.com/notfound.htm I went and checked Google and their last saved copy of the 'real' page was from April 28, 2006. I was unable to find any indication of why the page has been removed, but at least at the moment you have no access to this page despite the fact that it is essentially mandated by Federal law. Of course, I'm not a lawyer and it's not entirely clear to me exactly what agreements underlie the creation of this site, but the Federal Trade , Creating Wealth By Gearing Up Commission pages link to this site. Somebody created that notfound.htm and it seems to me they really should have provided an explanation of why our access to the real free online credit , California Bad Mortgage Loans How Credit Ratings Affects Approval reports is being denied - even if it is just temporary. The following information is part of what was on that site according to the copy stored on Google from 04/28/2006: " You may request your free credit , Shake Off Your Financial Adversity With Bad Personal Loan report online, by phone or through the mail. Free credit , Way To Establish A Good Line Of reports requested online are viewable immediately upon authentication of identity. Free credit , Series 66 Exam reports requested by phone or mail will be processed within 15 days of receiving your request. This central site allows you to request a free credit , Mortgage Scams Did You Fall For One file disclosure, commonly called a credit , Debt Problems How To Face Your Families And Friends report, once every 12 months from each of the nationwide consumer credit , Car Loans What Are They And How Do You Get Them reporting companies: Equifax, Experian and TransUnion. AnnualCreditReport.com is the official site to help consumers to obtain their free credit , Series 66 Exam report." Now that would all be very nice - if it were accessible. Hopefully it will have become accessible again by the time you are reading this. If not, here is the information from the FTC on how to , A Disciplined And Organized Approach To Trading get your free credit , Emotional Involvement report: "You can order your free annual credit , Worthiness report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit , Disability Benefits Are You Considered Disabled Report Request Form and mailing it to: Annual Credit , California Bad Mortgage Loans How Credit Ratings Affects Approval Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage , Day Trading Forex Or Currencies Back Testing A Way To Improve Your Trading Score payment." While supposedly you can request a free report on the companies , How Eating Bitumen Made Me A Better Stock Trader websites, I failed to find a way to do that without signing up for their monthly service and then canceling before the free 30 days were over. You could try calling them, however, to request a free report: Experian at 888-397-3742, Equifax at 1-800-685-1111 or TransUnion at 800-888-4213 Using annualcreditreport.com or mailing an Annual Credit , Worthiness Report Request Form to the Annual Credit , Counseling Congress Offers No Details In New Law Report Request Service, you can request reports from one or all three credit , Mortgage Scams Did You Fall For One reporting companies. , Is Active Trading The Answer With any other 'free' option for accessing your credit , Where To Look For A Fast Homeowner Loan reports, you need to sign up with all three companies , Drafting A Will or pay , Gas Rewards Credit Cards Save You Money At The Pumps for an additional service that will provide all three reports. Check this page at the FTC for more information and a link to a PDF copy of the annual request form which you can download, print and then mail: http://www.ftc.gov/bcp/conline/edcams/credit/ycr_free_reports.htm If you're in a hurry and need your report fast, your best bet will be to go directly to one (or all) of the 3 sites above and go ahead and sign-up. You will need to give them a credit card , Gas Rewards s Save You Money At The Pumps and more personal information than you might like, but they no doubt , Why Income Protection Insurance Makes Even More Sense Toemployers have much more extensive information about you on file already. Going to any other site (than one of these three) means you will be sharing your information in places you really don't need to. You also potentially could end up on a fraudulent or imposter site. When you go to a site use a valid link from the FTC or type the address in yourself. When you arrive, verify the address. Identity theft does happen so the extra effort involved in being sure about what you're doing is critically important. If, for some reason, you need to track your credit , Drafting A Will reporting history closely, you could request your free reports individually, spreading your requests over the year. While the information may vary from one company , Is Active Trading The Answer to another, spreading out the requests does give you the ability to check more frequently without having to buy , Why Income Protection Insurance Makes Even More Sense Toemployers reports or maintain a membership at one or more of the credit , Refinance Your House Avoid Prepayment Penalties And Other Potential Fees reporting agencies. An excellent beginning point is to read the full FTC publication "Your Access to Free Credit , Gas Rewards Cards Save You Money At The Pumps Reports" which you can see at: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm So, no, you don't need a credit card , Is Active Trading The Answer to get your free credit , Shake Off Your Financial Adversity With Bad Personal Loan report. However, as I write this, it's not possible to do it online without a credit card. , Use Real Estate Loans To Finance A Commercial Or Residentialproperty The annualcreditreport.com website should eventually be up and operating again, sometime, so before you pay , Why Income Protection Insurance Makes Even More Sense Toemployers or use a credit card , Evaluating A Money Manager to get a free report, check that site and see if it's back in business. , Tucson Mortgage Refinance Online How To Shop And while it's a little more time consuming and you'll need to wait to receive your reports, you can always use the mail or call (1-877-322-8228) to get your free reports from the Annual Credit , Counseling Congress Offers No Details In New Law Report Request Service. Be smart, don't pay , Useful Tips On Saving for something you don't need. If you signup for a 30 day free membership to get your free report, cancel it as soon as you have your report. These companies , What Are Payday Loans are required by law to provide a free annual credit , Shake Off Your Financial Adversity With Bad Personal Loan report. But, on their own websites, they're smart enough to offer the free report as bait for a membership. This lets them squeeze some extra bucks out of a legal requirement when people forget to cancel within the 30 days limit. Plus they also offer a variety of other, more expensive, , Debt Is The Master Of Souls credit , Counseling Congress Offers No Details In New Law report plans , Debt Consolidation Get Out Of Debt that sound enticing but which very very few people really need. Article Source: http://www.articledashboard.com
Further information on credit cards , Mobile Home Insurance Quote Keys To Finding A Good Deal and credit , Card Eligibility reports can be found at credit-paths.com/ plus more on student credit cards , Mortgage Scams Did You Fall For One and debt , Drafting A Will consolidation. |
  
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