Links to the Free Online CRA Credit Reports

[theshoediva]

Mods, can we make this a sticky in the Credit Forum?

[Stryker]

Mods, can we make this a sticky in the Credit Forum?

 

http://creditboards.com/forums/index.php?s...t&p=3183808

 

Further proof that no one reads the stickies...

[theshoediva]

My bad Styrk, I didn't even go through the stickies. I was expecting to see it as its own sticky. Sorry.

[Stryker]

My bad Styrk, I didn't even go through the stickies. I was expecting to see it as its own sticky. Sorry.

 

No problem... seriously. I think it is hilarious. Check out page two of this thread to see why it so funny to me.

[theshoediva]

LOL. Yeah that's hilarious. I swear to ya'....I'm not on drugs!!!!

[Big Bear]

No worries, TSD. Questions involving this specific thread have popped up a lot more often ever since the stickies were consolidated a few months back.

[imnotMAD]

How about another noob question?

 

I recently purchased myfico credit scores/reports. Can I not use the backdoor method with that? I've tried TU, and it wants me to register, etc. Does this mean that I do not have an account with the individual CRA's...just myfico? I used annualcreditreport.com last year, but apparently that doesn't register you as having an account with TU either. I'm very reluctant to give CRA's any more info than they already have. They can't even get the information the do have right.

[purplecharm]

If you already have an account with Transunion, you can go to: http://disclosure.transunion.com and just login without having to claim that you were denied.

 

This link was working for me until about 2 weeks ago.

[s7v7n]

Recently TU and EQ are saying I cannot get a report since I recently got one about 15 days ago. Is that normal?

Edited October 9, 2008 by s7v7n

[Big Bear]

Recently TU and EQ are saying I cannot get a report since I recently got one about 15 days ago. Is that normal?

 

Very normal. I don't recommend abusing the links.

[eonaxes]

I was wondering the same thing. Since I wasn't denied credit, will they know that I lied to get my report? No recent inquiries would be showing.

I put in a fake "denied date" and got my free report

looks like it works!

(I did the experian one)

Edited March 20, 2009 by eonaxes

[NeverQuietHere]

I just have to say that the choicetrust one, OMG. There are public records on there for someone who is NOT DH. I mean, DH has never lived at 2 of these addresses and has never been sued by 2 of the companies that this other mrcfj has been sued by. I do NOT like this at all. I feel like if this other person with DH's name can pull their stuff, DH's info (addresses and such) will be on there as well.

[tmurphy8810]

I tried the link and got the confirmation # needed to dispute. Sure enough one the the med collections is listed (just as the CU stated).

 

thanks, CB.................YOU GUYS ROCK

 

for now, I'll wait til I get responses from all 3 CRA's and then proceed to send letter to the 2 CA that are reporting.

[roadrage]

If you already have an account with Transunion, you can go to: http://disclosure.transunion.com and just login without having to claim that you were denied.

 

This link was working for me until about 2 weeks ago.

 

When I used this link, it kicked me out to annualcreditreport.com to obtain credit report (I was due for a free one). I went through the process and printed out the report before I realized it. Oh well, free report just spent.

[Nummerkins]

I also just went through this weekend and ordered all 3 of my reports. I just called the number listed for each CRA on their webpage. Each one had an option to specify 'denied for credit or report used for adverse action' and they were all free.

[roadrage]

I also just went through this weekend and ordered all 3 of my reports. I just called the number listed for each CRA on their webpage. Each one had an option to specify 'denied for credit or report used for adverse action' and they were all free.

 

Were you actually denied for credit?

 

Did the automated process ask you to provide details of the denial?

[Nummerkins]

I also just went through this weekend and ordered all 3 of my reports. I just called the number listed for each CRA on their webpage. Each one had an option to specify 'denied for credit or report used for adverse action' and they were all free.

 

Were you actually denied for credit?

 

Did the automated process ask you to provide details of the denial?

 

I had a stack of letters from a few issuers going back 60 days relating to CLIs/CLDs/whatever which covered all 3 bureaus.

 

No, it did not ask details...

[roadrage]

I also just went through this weekend and ordered all 3 of my reports. I just called the number listed for each CRA on their webpage. Each one had an option to specify 'denied for credit or report used for adverse action' and they were all free.

 

Were you actually denied for credit?

 

Did the automated process ask you to provide details of the denial?

 

I had a stack of letters from a few issuers going back 60 days relating to CLIs/CLDs/whatever which covered all 3 bureaus.

 

No, it did not ask details...

 

I wonder if they even attempt to verify any credit denial. I used to think they would scan for hard/soft pulls by lenders to see if there was any activity in the last 60 days. The denial criteria seems to cover a broad range of activities.

[Nummerkins]

I also just went through this weekend and ordered all 3 of my reports. I just called the number listed for each CRA on their webpage. Each one had an option to specify 'denied for credit or report used for adverse action' and they were all free.

 

Were you actually denied for credit?

 

Did the automated process ask you to provide details of the denial?

 

I had a stack of letters from a few issuers going back 60 days relating to CLIs/CLDs/whatever which covered all 3 bureaus.

 

No, it did not ask details...

 

I wonder if they even attempt to verify any credit denial. I used to think they would scan for hard/soft pulls by lenders to see if there was any activity in the last 60 days. The denial criteria seems to cover a broad range of activities.

 

I don't know. 1-2 years ago I do remember having to enter specific dates that I got from the letter, but not anymore. Maybe they figured it wasn't worth the expense, as the phone voice continually tries to sell you a Vantage score through the ordering process.

[roadrage]

I also just went through this weekend and ordered all 3 of my reports. I just called the number listed for each CRA on their webpage. Each one had an option to specify 'denied for credit or report used for adverse action' and they were all free.

 

Were you actually denied for credit?

 

Did the automated process ask you to provide details of the denial?

 

I had a stack of letters from a few issuers going back 60 days relating to CLIs/CLDs/whatever which covered all 3 bureaus.

 

No, it did not ask details...

 

I wonder if they even attempt to verify any credit denial. I used to think they would scan for hard/soft pulls by lenders to see if there was any activity in the last 60 days. The denial criteria seems to cover a broad range of activities.

 

I don't know. 1-2 years ago I do remember having to enter specific dates that I got from the letter, but not anymore. Maybe they figured it wasn't worth the expense, as the phone voice continually tries to sell you a Vantage score through the ordering process.

 

If I understand correctly, the credit reports generated in response to a qualifying activity (besides annual free) still require a 30-day investigation time limit, versus 45-day for annual. In my opinion, all credit reports should be free; afterall, they make millions off of holding our private data in their power.

Edited May 13, 2009 by roadrage

[CuriousCredit]

In my opinion, all credit reports should be free; after all, they make millions off of holding our private data in their power.

 

I agree!

Edited May 15, 2009 by CuriousCredit

[ThoughtIWasSunk]

I just got EX and TU via the BDs with no problem. As soon as I finish this post, I'm looking forward to comparing item-by-item with the Hard Copies I got last week and the CCMP I get daily. I'm only going to abuse the links this once to get the side-by-side comparison that I've wondered about. If anyone gets interested, I'll summarize and share the results.

 

HOWEVER, on EQ, I got down to the last screen, and it said in part:

Important! Once you click "submit", you will not be able to reorder your free annual credit report from Equifax for one year.

I'm due for my free report in a couple of months, and I think I'll see some dispute results by then, so I'll hold off on this back door request if we think what they said ^^^ is true.

 

But I'm thinking that since I made the request because of employment turndown (true) then it doesn't affect my rights to an annual free report. Does anyone agree with that assessment, even though the EQ website says the opposite?

 

 

 

 

edited for clarity

Edited August 16, 2010 by ThoughtIWasSunk

[wow]

sub...

[Rebuilding2010]

Anyone notice that new screen on TU, asking by whom did you get denied credit?

[Wado]

Wow, this should be a sticky.