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titan220

Best way to get free report from EQ

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Which is the best option to obtain the report from EQ, going thru annualfreereport.com as they suggest or going thru them directly? I called the (800) 997-2493 and had no success.

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The best way is the free trial from Experian. Get all 3 FICO scores and all data from Experian, Equifax and TransUnion for free during the 7 day free trial. 

 

Then cancel within 7 days before they charge you the monthly fee.

 

Edited by RocketGoBoom

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18 hours ago, RocketGoBoom said:

The best way is the free trial from Experian. Get all 3 FICO scores and all data from Experian, Equifax and TransUnion for free during the 7 day free trial. 

 

Then cancel within 7 days before they charge you the monthly fee.

 

Thanks, I was trying to get just the paper EQ one as I have the other two. But I will try this method.

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I have the free memberships with the following:

 

CreditKarma.com for the free credit report data from TransUnion and Equifax. It updates weekly, sometimes more often if it detects a notable change. Their score is not useful. But the data from your TU and EQ files is real.

 

Experian Scorecard via Discover for some Experian data. It doesn't update often enough, but it works for free.

 

Wallethub for TransUnion data. Their score is not useful. But the data from your TU file is real.

 

Experian Creditworks Basic is the best deal overall though. Get the basic version, NOT the premium version. The basic version just gives you Experian data for free and the Experian FICO score. But each time you login to Basic, it prompts you if you want to upgrade to Premium for a 7 day trial for either $1 or $0. It changes. I have done both. Upgrade to Premium to get all 3 of your credit bureau reports and FICO scores. Then a few days later downgrade back to Basic before you get hit with the monthly fee. It is great. Whenever you want everything, just upgrade again later, then downgrade again.

 

https://www.experian.com/?intcmp=ecw-signin

Edited by RocketGoBoom

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1 hour ago, RocketGoBoom said:

 

 

Experian Creditworks Basic is the best deal overall though. Get the basic version, NOT the premium version. The basic version just gives you Experian data for free and the Experian FICO score. But each time you login to Basic, it prompts you if you want to upgrade to Premium for a 7 day trial for either $1 or $0. It changes. I have done both. Upgrade to Premium to get all 3 of your credit bureau reports and FICO scores. Then a few days later downgrade back to Basic before you get hit with the monthly fee. It is great. Whenever you want everything, just upgrade again later, then downgrade again.

 

https://www.experian.com/?intcmp=ecw-signin

 

 

Another cool feature on Experian Creditworks when you do the Premium upgrade for 7 days ($1 or $0) is that you get all of the FICO scores. This is only available during the Premium upgrade, then you lose it when you downgrade back to Basic.

 

FICO 8 

FICO Score 2 (Mortgage)

FICO Auto Score 2 

FICO Auto Score 8

FICO Bankcard Score 2

FICO Score 3

FICO Bankcard Score 8

 

 

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3 hours ago, titan220 said:

Thanks, I was trying to get just the paper EQ one as I have the other two. 

If you are using these reports for disputing purposes you need the paper report from Equifax.

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18 minutes ago, cv91915 said:

If you are using these reports for disputing purposes you need the paper report from Equifax.

Right. So the services that RocketGoBoom mentioned would not be relevant. So I am back to square one with my question.

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13 minutes ago, titan220 said:

Right. So the services that RocketGoBoom mentioned would not be relevant. So I am back to square one with my question.

 

On 11/22/2018 at 8:44 AM, titan220 said:

Which is the best option to obtain the report from EQ, going thru annualfreereport.com as they suggest or going thru them directly? I called the (800) 997-2493 and had no success.

What happened when you called that number?  You may have to pay for the report, so if you were expecting if for free, was that where you encountered the dead-end?

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22 minutes ago, cv91915 said:

 

What happened when you called that number?  You may have to pay for the report, so if you were expecting if for free, was that where you encountered the dead-end?

No option for free. Sent me to annualfreereport.com. The other two had no issue. Free paper reports were mailed out and received within 4 days. Looks like I will have to pay. I just figured why pay if I didn't have to.

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41 minutes ago, cv91915 said:

If you are using these reports for disputing purposes you need the paper report from Equifax.

 

Why exactly does someone need the paper report? 

I have found the data from online to be accurate. 

 

Even the online data from Equifax when it is provided by a 3rd party such as Credit Karma or Experian, it is still the same. 

 

The only thing extra that the paper report provides is the soft inquiries. 

Otherwise, at least in my experience, the online data is accurate when provided by a 3rd party.

 

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40 minutes ago, cv91915 said:

 

What happened when you called that number?  You may have to pay for the report, so if you were expecting if for free, was that where you encountered the dead-end?

 

Nobody needs to actually pay for a report. 

 

If you are writing a letter to Equifax (or any credit bureau) just state that you want your annual free copy. 

 

Or state that you are the recipient of public welfare assistance and you get an unlimited number of free copies of your credit reports. Everyone in the USA qualifies ... because we all receive some form of public welfare assistance. 

 

https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/

 

You can get additional free reports if any of the following apply to you:

  • You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
  • You believe your file is inaccurate due to fraud.
  • You have requested a credit report from a nationwide credit reporting company in connection with the placing of an initial fraud alert (you may request two free copies for an extended fraud alert).
  • You are unemployed and intend to apply for employment within 60 days from the date of your request.
  • You are a recipient of public welfare assistance.
  • Your state law provides for a free credit report.
Edited by RocketGoBoom

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19 hours ago, RocketGoBoom said:

 

Why exactly does someone need the paper report? 

I have found the data from online to be accurate. 

 

Even the online data from Equifax when it is provided by a 3rd party such as Credit Karma or Experian, it is still the same. 

 

The only thing extra that the paper report provides is the soft inquiries. 

Otherwise, at least in my experience, the online data is accurate when provided by a 3rd party.

 

First and foremost, there ARE known distinctions between the consumer-friendly online formatting and what actually exists, even when going directly through the bureau in question.

 

Secondly, if one has ANY reason to believe that there are issues to be disputed, you do NOT want to be relying upon hearsay, which is what an EFX/CSC report obtained from any entity OTHER than EFX/CSC (depending on the State one resides in) would be. 

 

Third, when disputing, the consumer SHOULD be referring to the matter EXACTLY as it has been reported in a report generated BY the bureau to whom the dispute will be routed. 

 

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1 hour ago, centex said:

First and foremost, there ARE known distinctions between the consumer-friendly online formatting and what actually exists, even when going directly through the bureau in question.

 

Secondly, if one has ANY reason to believe that there are issues to be disputed, you do NOT want to be relying upon hearsay, which is what an EFX/CSC report obtained from any entity OTHER than EFX/CSC (depending on the State one resides in) would be. 

 

Third, when disputing, the consumer SHOULD be referring to the matter EXACTLY as it has been reported in a report generated BY the bureau to whom the dispute will be routed. 

 

 

If we were talking about something likely to end up in court, then I would agree with you. Total exactness is a good idea and establishing you received the report from the target of your lawsuit is important.

 

However 99.9% of people disputing stuff will never be ending up in court. If the limit of their dispute is just going after it from the standpoint of "not mine" or "I was never late" then the data from reliable sources such as Credit Karma or Wallethub is solid.

 

I have yet to see any difference in terms of balances, accounts, reported late payments, etc. 

The data is exactly the same because it is coming from the same source credit bureau. 

The only difference is the formatting and presentation layer of the data.

 

For the basics of writing a dispute letter, the OP can use the free Equifax data provided by Credit Karma.

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21 hours ago, RocketGoBoom said:

 

Why exactly does someone need the paper report? 

I have found the data from online to be accurate. 

 

Even the online data from Equifax when it is provided by a 3rd party such as Credit Karma or Experian, it is still the same. 

 

The only thing extra that the paper report provides is the soft inquiries. 

Otherwise, at least in my experience, the online data is accurate when provided by a 3rd party.

 

Two days ago I got an alert from WalletHub (which uses TU for its credit data) that my PenFed credit card has dropped from my "credit report."

 

So I refreshed my Kredit Carma "report," which says it's still reporting to TU.

 

The card is still open; in fact I recently used it for the first time in several months, and a balance reported for the first time in as long as I can remember.

 

I assure you if I was going to dispute something I wouldn't trust either of these as the source of truth for what's in my TU file.  I would have my printed report mailed to me from TU.

 

From WalletHub:

 

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From Kredit Carma:

 

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Edited by cv91915

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I have seen those alerts also, but the account is always still there. 

That is basically meaningless. The data is still there and accurate for the purpose of filing a dispute.

 

I have been following all of the most popular free services for a long time now. CreditKarma, Credit Sesame, Wallethub, Experian Creditworks for all 3 reports, and a few others. 

 

The bottom line is that the data is all pulled from the same source databases at Equifax, TransUnion and Experian.

The only difference is the presentation layer.

 

In fact, I would say that Credit Karma and Experian do a MUCH better job of presenting Equifax data than Equifax paper reports. The paper reports from Equifax are a total disaster for beginners to read and understand. They are not user friendly at all. 

 

I would much rather see the Equifax data presented in an easy to read format as presented by Experian or Credit Karma. It is the same data pulled from the same database that Equifax uses to produce their lousy paper reports. But the other services make it easy to read and understand.

Edited by RocketGoBoom

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2 hours ago, RocketGoBoom said:

I have seen those alerts also, but the account is always still there. 

That is basically meaningless. The data is still there and accurate for the purpose of filing a dispute.

 

I have been following all of the most popular free services for a long time now. CreditKarma, Credit Sesame, Wallethub, Experian Creditworks for all 3 reports, and a few others. 

 

The bottom line is that the data is all pulled from the same source databases at Equifax, TransUnion and Experian.

The only difference is the presentation layer.

 

In fact, I would say that Credit Karma and Experian do a MUCH better job of presenting Equifax data than Equifax paper reports. The paper reports from Equifax are a total disaster for beginners to read and understand. They are not user friendly at all. 

 

I would much rather see the Equifax data presented in an easy to read format as presented by Experian or Credit Karma. It is the same data pulled from the same database that Equifax uses to produce their lousy paper reports. But the other services make it easy to read and understand.

OK, so aside from the alerts that say that data is no longer there but it really is, these sites are exactly the same.  :lol:  

 


Do you see all of these on Kredit Carma?  I'll use that one as an example.

 

I'm looking at an Equifax report right now.  It has:

 

Term duration

Activity designator

Date first major delinquency reported

Creditor classification

Balloon payment amount

Terms frequency

Date of last activity 

Months reviewed

Activity description

Deferred payment start date

Balloon payment date

Type of loan

 

My Equifax report also shows a month-by-month balance for the past six months, including the scheduled payment amount and actual payment amount.

 

Equifax reports also have an 81-month payment history, with a separate status for each payment.  I only see 48 months on Carma.

 

All of the fields that are on my Equifax report but not Kredit Carma would be disputable if data was present but not accurate.  There could be dozens of additional dispute opportunities per trade line when using a printed report from Equifax.

 

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And all of that is information overload for most first timers. 

The Equifax paper reports are very poorly organized and it is likely intentionally done that way by Equifax to try to reduce consumer interest in filing disputes.

 

Whereas the Experian paper reports places all negative items in the front section and clearly marks (in red if I recall) those items as negatives to be addressed.

 

Equifax instead mixes everything together requiring someone to go line by line looking for anything that is negative. And you have to look for the key code of R1-R9 (example) to figure out if it is negative or not. For the first time user the Equifax paper reports seem to be intentionally designed to frustrate and overwhelm the consumer to the point that they will give up and just not do anything. 

 

There is a difference between a CPA doing your taxes and doing it yourself with TurboTax.

The same concepts apply to credit reports and the ability of the consumer to even use or digest some of this information.

 

As an example, Experian and CreditKarma provide the Equifax data in a much more easy to digest format. And for probably 99% of consumers, the data provided is more than sufficient to start addressing any issues. The consumer will receive a paper report automatically in response to any disputes they make. 

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1 hour ago, RocketGoBoom said:

And all of that is information overload for most first timers. 

The Equifax paper reports are very poorly organized and it is likely intentionally done that way by Equifax to try to reduce consumer interest in filing disputes.

 

Whereas the Experian paper reports places all negative items in the front section and clearly marks (in red if I recall) those items as negatives to be addressed.

 

Equifax instead mixes everything together requiring someone to go line by line looking for anything that is negative. And you have to look for the key code of R1-R9 (example) to figure out if it is negative or not. For the first time user the Equifax paper reports seem to be intentionally designed to frustrate and overwhelm the consumer to the point that they will give up and just not do anything. 

 

There is a difference between a CPA doing your taxes and doing it yourself with TurboTax.

The same concepts apply to credit reports and the ability of the consumer to even use or digest some of this information.

 

As an example, Experian and CreditKarma provide the Equifax data in a much more easy to digest format. And for probably 99% of consumers, the data provided is more than sufficient to start addressing any issues. The consumer will receive a paper report automatically in response to any disputes they make. 

Using incomplete third-party reports for disputing purposes is terrible advice, QED. 

 

The CPA analogy doesn't work at all.  The correct CPA analogy for dealing with credit issues would be hiring a credit repair firm, a practice that we don't recommend here either.  

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1 hour ago, cv91915 said:

Using incomplete third-party reports for disputing purposes is terrible advice, QED

  

 

We will have to agree to disagree. The OP stated he was having trouble getting an Equifax report.

Using a 3rd party to get the Equifax data to get started is a viable alternative in his situation, as I stated above.

 

In response to any dispute filed based on the 3rd party report, the OP will eventually receive a paper copy from Equifax so it is all moot. The 3rd party data provides plenty of accurate info for anyone to get started.

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9 hours ago, RocketGoBoom said:

 

We will have to agree to disagree. The OP stated he was having trouble getting an Equifax report.

Using a 3rd party to get the Equifax data to get started is a viable alternative in his situation, as I stated above.

 

In response to any dispute filed based on the 3rd party report, the OP will eventually receive a paper copy from Equifax so it is all moot. The 3rd party data provides plenty of accurate info for anyone to get started.

CV is right.   You're not, but your opinion is duly noted.

 

 

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11 hours ago, Pam said:

CV is right.   You're not, but your opinion is duly noted.

  

 

 

Using 3rd party free sources is perfectly fine for getting started on disputes.

RocketGoBoom is right. You're not, but your opinion is also duly noted. 🙂

 

What I find cute about the attitudes of the people on this website is that you all have this group think that there is only one way to do things. Example, "get paper reports". That is silly. The online reports provide enough info to prepare any written disputes. The 3rd party providers of data provide enough info 99% of the time.

 

Only a very hyper detailed dispute, which will likely be misread/ignored by the minimum wage Equifax clerk reading it, would need everything provided in the paper version. 95% of the people filing disputes with credit bureaus don't even have the functional capacity to read the key explaining what everything on the Equifax paper report even means. Have you read the questions from beginners on MyFico or CB.com? Come on, most of them are utterly clueless and lack the capacity to write a dispute more detailed than, "Not Mine, please investigate".

 

The data pulled by the 3rd party sites is coming directly from Equifax, TransUnion and Experian. It is the same data and free and packaged more user friendly for people to read.

 

Experian does a better job of presenting Equifax and TransUnion data than the actual owners of the data. That is very important for someone just starting out on fixing their credit issues.

 

That is why third parties like CreditKarma, CreditSesame, WalletHub and others are finding a market. They are taking the same data and making it more user friendly to consume with nice graphs, easy navigation around, basic suggestions, etc.

 

Yes, someone who has 2,000+ posts on CreditBoards.com might find it all worthless. But 99.9% of the population does not have your detailed level of credit report knowledge. 95% of the USA population probably cannot even read the Equifax paper report effectively. It is a disaster and probably intentionally designed to be a disaster and confusing in order to reduce written disputes.

 

Edited by RocketGoBoom

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An Equifax report isn't hard to read.  Was justice improve age article between. No projection as up preference reasonably delightful celebrated. Preserved and abilities assurance tolerably breakfast use saw. And painted letters forming far village elderly compact. Her rest west each spot his and you knew. Estate gay wooded depart six far her. Of we be have it lose gate bred. Do separate removing or expenses in. Had covered but evident chapter matters anxious. 

 

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1 hour ago, RocketGoBoom said:

 

Using 3rd party free sources is perfectly fine for getting started on disputes.

RocketGoBoom is right. You're not, but your opinion is also duly noted. 🙂

 

image.png.96d82dc31408bf643b5386b3166d6bb4.png

 

Three words in that image should stand out to you.  They should make it clear that perhaps my opinion is not amateur - that maybe I've been doing this for quite a long time (you can do the math, it's in the header image).  Nice edit to your post, by the way.

 

Yes, sometimes here we do stand by our hard-earned knowledge very staunchly.  The reason for this is because some of us have been around long enough to see the reasons why.  You just don't want to hear them.  We've seen people get burned by using third party reports in various ways, and as CV said, they don't contain enough information.  Also, our users are not imbeciles, in general, nor are the EQ paper reports so awful to read.

 

Perhaps, just maybe, this isn't a hill you want to die on?  Perhaps, just maybe, you want to let this go and not annoy me further.  This is your second chance to do so, and we believe strongly in second chances here.  I'm not so invested in third chances this morning.  

 

 

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