 Links to the Free Online CRA Credit Reports, For adverse action or declines |
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  Mar 25 2007, 12:50 AM
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#1
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Group: Members
Posts: 22 Joined: 24-January 07 Member No.: 43,872  |
These are the links to get the free reports from the CRAs due to declines/adverse action or what not:
Qualification is as follows: QUOTE . Within the last 60 days, you have received an adverse action notice based on information from your credit report, such as: Denial of credit, or other unfavorable action affecting a credit application or account. Denial of insurance, or other unfavorable action on an insurance application or policy. Denial of employment, or other unfavorable action affecting current employment or an employment application. Denial of, or other unfavorable action affecting, a government license or benefit. Denial of, or other unfavorable action on, another transaction or account, such as an application for an apartment or utility service. . You are experiencing one of the circumstances below. You are unemployed and plan to seek employment within 60 days. You receive public welfare assistance. You have reason to believe your credit file is inaccurate due to fraud The various CRAs tend to hide the free online access. For example, the Equifax tries to convince you to buy it or that it's only accessible through mail. Here are the links: http://annualcreditreport.transunion.com/t...ntSituation.jsp (contrary to URL, this is NOT the free annual one) http://www.experian.com/reportaccess/index.html (Click 'Get my Report Now') https://aa.econsumer.equifax.com/aad/landing.ehtml (Equifax will constantly add on things and try and get you to buy something. Be sure to uncheck the things that require payment) All of them require verification of some form, usually a series of questions, and I think TU requires you make an account if you don't already have one. Enjoy, and use responsibly! Note to mods: Outbound links and topic ok'd by breeze. |
  
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| Googie |
Mar 25 2007, 12:50 AM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Mar 25 2007, 12:50 AM
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#2
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 Group: Mod Squad
Posts: 8,256 Joined: 19-July 03 Member No.: 1,444 |
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Apr 11 2007, 06:56 PM
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#3
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Group: Members
Posts: 1,447 Joined: 2-June 06 Member No.: 32,388 |
BBBBBBBBump
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Apr 23 2007, 07:34 PM
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#4
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Group: Members
Posts: 4,418 Joined: 4-January 07 From: /dev/creditboards/forums Member No.: 42,875 |
Ooopsss...wrong thread.
This post has been edited by sunmicroman: Apr 23 2007, 07:38 PM |
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May 10 2007, 01:13 PM
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#5
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Group: Members
Posts: 521 Joined: 9-November 06 Member No.: 40,595 |
SUPER!
TTT My Credit Cards:
PenFed: $20,000 Chase BP: $12,500 Chase Freedom: $12,400 GLCU: $10,000 Juniper: $8,000 Best Buy: $5,875 Hooters: $5,200 Patelco: $5,000 Chase Business Freedom: $5,000 Capitol One Business: $5,000 |
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May 26 2007, 03:10 PM
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#6
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Group: Members
Posts: 9 Joined: 8-February 07 Member No.: 44,700 |
I recently applied for a credit card and got denied. Am I entitled to a free report from all 3 CRAs, or just the one my credit union used to check my credit?
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May 29 2007, 08:54 AM
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#7
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Group: Members
Posts: 3,298 Joined: 15-August 05 From: Land of Kids Member No.: 21,114 |
Just the one they used to pull at the credit union. But if you haven't used your annual credit reports yet, you can get those. you could post this question in the credit forum and get more responses.
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Jun 23 2007, 05:28 PM
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#8
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Group: Members
Posts: 575 Joined: 15-October 06 Member No.: 39,523 |
This should always be up top of pinned!
I didn't know when I was new, but these are the back doors for your reports |
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Jun 30 2007, 12:20 PM
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#9
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Group: Members
Posts: 1,631 Joined: 2-January 06 Member No.: 25,487 |
OP--thank you.
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Jul 2 2007, 02:40 PM
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#10
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Group: Members
Posts: 735 Joined: 21-July 06 Member No.: 35,222 |
bump
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Jul 8 2007, 02:53 PM
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#11
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Group: Members
Posts: 142 Joined: 28-June 07 Member No.: 52,868 |
QUOTE(ASayre @ Mar 25 2007, 01:50 AM)  These are the links to get the free reports from the CRAs due to declines/adverse action or what not: Qualification is as follows: QUOTE . Within the last 60 days, you have received an adverse action notice based on information from your credit report, such as: Denial of credit, or other unfavorable action affecting a credit application or account. Denial of insurance, or other unfavorable action on an insurance application or policy. Denial of employment, or other unfavorable action affecting current employment or an employment application. Denial of, or other unfavorable action affecting, a government license or benefit. Denial of, or other unfavorable action on, another transaction or account, such as an application for an apartment or utility service. . You are experiencing one of the circumstances below. You are unemployed and plan to seek employment within 60 days. You receive public welfare assistance. You have reason to believe your credit file is inaccurate due to fraud The various CRAs tend to hide the free online access. For example, the Equifax tries to convince you to buy it or that it's only accessible through mail. Here are the links: http://annualcreditreport.transunion.com/t...ntSituation.jsp (contrary to URL, this is NOT the free annual one) http://www.experian.com/reportaccess/index.html (Click 'Get my Report Now') https://aa.econsumer.equifax.com/aad/landing.ehtml (Equifax will constantly add on things and try and get you to buy something. Be sure to uncheck the things that require payment) All of them require verification of some form, usually a series of questions, and I think TU requires you make an account if you don't already have one. Enjoy, and use responsibly! Note to mods: Outbound links and topic ok'd by breeze. Experian is requiring me to send a copy of my id in order to get my report. I replied to the online questions and their system seems to have identified me.....I'm now hesitant to send the copy of my id. Should I be leary? Pre-CB: No Positive TL, None, ZERO, Zilch, Great Big Fat Goose Egg
After CB: Crown $1,500 - AAFES $3,000 - Fashion Bug $200 - Bloomingdales FAKOs: TU EX EQ 503 494 511 9/24/07 643 546 560 3/08 FICOs: 651 603 607 - 6/4/08 ****Good News**** Still getting rid of those Baddies Baddie countdown 23 22 25 as of 07/18/07 18 16 18 as of 10/30/07 12 12 15 as of 11/07/07 5 8 6 as of 6/4/08 |
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Jul 8 2007, 05:59 PM
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#12
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Group: Members
Posts: 479 Joined: 7-March 07 From: Illinois Member No.: 46,100 |
QUOTE Experian is requiring me to send a copy of my id in order to get my report. I replied to the online questions and their system seems to have identified me.....I'm now hesitant to send the copy of my id. Should I be leary? Has your address or any other personal info changed recently? If so, you may have to wait about a month or so for the new info to be reported in the system. That's what has happened to me when I've changed addresses. They just want to make sure your information is current. Once your creditors update the new information (or you have an inquiry on your report for the new info), you should have no problem getting into the Experian report. Or, you could speed up the process (possibly) by just doing what they ask and sending in your ID. I wouldn't do it, myself, though, unless you were still getting the error message after a month. This post has been edited by Gonna Do It: Jul 8 2007, 06:00 PM  My Scooter |
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Jul 11 2007, 09:50 AM
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#13
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Group: Members
Posts: 196 Joined: 10-June 07 From: Here & There Member No.: 51,518 |
Thanks! CB is Awesome
I love it when a plan comes together!
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Aug 6 2007, 05:41 AM
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#14
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Group: Members
Posts: 220 Joined: 11-March 06 Member No.: 28,563 |
What is the link to use the report number? Ever time I go to the links posted I need to re-enter my info...
Thanks |
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Aug 15 2007, 03:09 PM
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#15
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Group: Members
Posts: 257 Joined: 30-January 05 From: Far from Turtle Member No.: 12,564 |
Thank you! My EX backdoor pass died a few weeks ago. This thread saved me the cost of buying a new one.
FAKO Scores 8/14/07
TU - 747 EX - 761 EQ - 706 Citi AA Amex.......................................$5,000 Chase Continental Airlines World MC......$2,000 Target VISA.......................................$10,000 Crate & Barrel - WFNNB.........................$3,000 Nordstrom's Store Card.........................$5,000 Bloomingdales Store Card.....................$2,100 Chevron................................................$600 Crown Jewelers....................................$1,500 New Millenium Bank Secured.................$1,500.........Closed 8/07 Wachovia Bank Secured Loan................$5,000...........PIF'd 6/07 My goals: Let 'em age and grow then onto the 800 club Next cards: Amex Oasis(?) and Discover |
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Sep 28 2007, 11:55 AM
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#16
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Group: Members
Posts: 30 Joined: 9-May 07 Member No.: 49,516 |
ASayre,
Thanks so much for the links! Also for your additional commentary, really helpful stuff. I haven't tried ordering yet, but just for the principle of the matter I have been trying to access these pages from each site's home page as if I didn't know about the links. (I had been trying with varying levels of success before seeing this post.) EQ: You can get to your credit rights by clicking on "Learn more..." under "Helpful Information" in the bottom right corner of the page. This tells of your FACTA rights, but also mentions state disclosures, where you can click "Learn More" again. This page gives a summary of your credit rights based on the FCRA. No other links are provided, just says to contact them by phone or mail if you are eligible. Under Credit Report FAQs, it also states free credit reports are not available online (other than FACTA). I can find nothing that indicates otherwise. I have not thus far been able to navigate to the link provided here, it is extremely well-hidden. Nice find! EX: As far as I could tell, the only way to get there is to click on 'Contact Us' and then choose the FAQ that talks about getting turned down for a loan. Here I find the link as listed above. This isn't really helpful for people who are looking for free reports based on other rights, so I never would have found it had I not known it existed! TU: This was the easiest by far, and the only one I found on my own before I saw the above links. On the main page, click under More for Consumers on "FACT ACT and other free credit report disclosures." Then "Click here to learn more." The ease of this one was astounding in comparison to the others above, although it still requires a consumer to know what it is they are looking for. |
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Oct 4 2007, 01:33 PM
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#17
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Group: Members
Posts: 336 Joined: 3-October 07 Member No.: 59,733 |
Ha! Didn't see this till now, very helpful!
BOA AMEX -
Delta SkyMiles AMEX - Capital 1 - BOA Visa - $1000 BOA MC - Toys R Us - $300 |
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 Oct 9 2007, 01:24 AM
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#18
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Group: Newbies
Posts: 5 Joined: 7-October 07 From: Mobile, AL Member No.: 60,003 |
Thanks for this.
Just a reminder to everyone, do not FORGET to save or print the report number. I just pulled mine, glanced over it quickly and copied and pasted the report number into a word document where I keep track of all of the credit stuff and I accidentally did NOT SAVE that sheet and had already copied and pasted again, which emptied my clipboard. So now I just used up one of my reports and I do not know the number or specifics. I guess I will end up paying for that one. After seeing my scores I will have to buy a new pair of glasses for all the reading I have to do!!
FACOs: 10/10/07 EQ=581 TU=584 EX=583 |
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Oct 10 2007, 10:38 PM
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#19
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Group: Members
Posts: 232 Joined: 17-January 05 From: Cali girl baby!! Member No.: 12,027 |
What is the back door
4/28/05 EX ??? 2 Baddies
4/28/05 TU 635 2 Baddies 4/28/05 EQ???? Their all jacked up!! 5/9/07 EX 735 5/9/07 TU 689 5/9/07 EQ 65something after much work look at me now!!!!!! |
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Oct 12 2007, 06:47 PM
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#20
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Group: Members
Posts: 1,631 Joined: 2-January 06 Member No.: 25,487 |
Anyone used freecreditreports.com?
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Oct 30 2007, 10:40 PM
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#21
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Group: Members
Posts: 116 Joined: 20-February 07 Member No.: 45,307 |
anyone have the phone numbers?
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Nov 6 2007, 04:56 AM
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#22
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Group: Members
Posts: 55 Joined: 4-January 07 Member No.: 42,884 |
great thread...deserves a bump
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 Nov 6 2007, 12:36 PM
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#23
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Group: Members
Posts: 10 Joined: 5-July 07 Member No.: 53,509 |
these just remind me why I consider credit reports illegal,immoral, and disgusting. 2 out of the 3 want me to send picture id's and other bs to get the copy of the report, and experian asks stuff like "we see you opened a automotive loan in 1998. please choose who the loan was from or does not apply" how do I get a automotive loan when I was 13-14 years old?
 apparently I am old enough to get a loan for a brand new ford, but not old enough to drive it. horray for stupidity! |
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Nov 24 2007, 11:22 PM
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#24
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Group: Members
Posts: 197 Joined: 27-July 04 Member No.: 7,402 |
^
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Nov 27 2007, 05:54 PM
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#25
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Group: Members
Posts: 23 Joined: 14-November 07 Member No.: 62,337 |
Heres a link to your public records via choicepoint
http://www.choicetrust.com/servlet/com.kx....ult&anchor= |
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