Subject:
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Re: Credit reports anybody?
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Newsgroups:
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lugnet.off-topic.fun
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Date:
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Thu, 18 Mar 1999 03:35:47 GMT
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Viewed:
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362 times
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izzy98 wrote:
> Fees for your credit report vary from state to state. In some states,
> you're allowed one free copy per year.
I remember hearing that.
> But, if you were denied credit (in
> the last 60 days) the credit reporting agency, who's report on which the the
> denial was based, is obliged to give you your report for free.
I've heard that too.
>
>
> Contact the credit reporting agencies directly. Don't use one of thos
> fix-it services. The last time I got my reports, (admitedely, a couple of
> years ago) it was free for me in Massachusetts but the normal fee was 8
> bucks whether you asked for it by phone (which I did) or by mail. Now some
> of the companies (the _real_ credit reporting agencies, not
> crum-bum-I-want-to-steal-your-credit-card-number-people) offer you your
> report over the internet.
Yeah, some of the web sites I came across looked suspicious. It was suggested in
an earlier post I contact my bank. I think I'll do that and see what they have
to say.
I really feel no one should have to pay for their very own records, whether it
be $8 or .80. My son doesn't have to pay his teacher to receive his report card.
It especially burns me because I am willing to bet it will contain
misinformation that I will have to take the time to correct.
Thanks for all the input!
Julie
>
>
> Equifax, for example, can be reached at: www.equifax.com
>
> - Izzy
>
> Larry Pieniazek wrote in message <36EF36BE.849BE6C3@voyager.net>...
> > If you contact the agencies directly the fee is 8 bucks. If you first
> > get turned down for something because of a report, the fee is free.
> > Takes a letter, though, in each case. If you call, you'll pay 30.
> >
> > Sproaticus wrote:
> > >
> > > Julie Krenz wrote:
> > > > Well, it's not exactly "off-topic.fun", (but since you all seem to be • an
> > > > intelligent bunch, I'd thought I'd ask here) does anybody know how to
> > > > get a free copy of your credit report? I've done some searches and the
> > > > sites I've run across want a fee. I don't think I should have to pay • for
> > > > information on myself.
> > >
> > > From my experience you should probably ask your bank manager which credit
> > > agency they get it from, then contact the credit agency directly by phone • or
> > > mail. I would be pretty nervous about getting my credit report across • the
> > > Internet.
> > >
> > > Another trick I've seen used is this: walk into some place offering
> > > pre-approved credit (I think that's the term). This could be a car lot • or a
> > > furniture store, whatever. Chat with them about their credit-checking
> > > process. More often than not, they'll gladly tell you who they do credit
> > > checks through.
> > >
> > > There has always been a fee associated with getting your credit report, • but
> > > it shouldn't be over around thirty dollars. A Web site would most likely • be
> > > asking for a credit card number; this is another aspect of the report • which
> > > would make me think twice about doing it over the Internet.
> > >
> > > Cheers,
> > > - jsproat
> > >
> > > --
> > > Jeremy H. Sproat <jsproat@geocities.com>
> > > http://www.geocities.com/SiliconValley/Horizon/5249/
> > > "The world will not perish for want of wonders but for want of wonder"
> > > -- British scientist J. B. S. Haldane (1892-1964)
> >
> > --
> > Larry Pieniazek http://my.voyager.net/lar
> > FDIC Know your Customer is wounded, thanks to you, but not dead...
> > See http://www.defendyourprivacy.com for details
> > For me: No voyager e-mail please. All snail-mail to Ada, please.
> > - Posting Binaries to RTL causes flamage... Don't do it, please.
> > - Stick to the facts when posting about others, please.
> > - This is a family newsgroup, thanks.
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Message has 1 Reply:
 | | Re: Credit reports anybody?
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| Julie Krenz wrote: (text deleted) (...) I feel the same way. Do you know what it felt like when I was trying to gather my medical records before coming to Germany (I've had a bit of a nomadic life) and I was told that it would cost me $5 for the (...) (26 years ago, 18-Mar-99, to lugnet.off-topic.fun)
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Message is in Reply To:
| | Re: Credit reports anybody?
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| Fees for your credit report vary from state to state. In some states, you're allowed one free copy per year. But, if you were denied credit (in the last 60 days) the credit reporting agency, who's report on which the the denial was based, is (...) (26 years ago, 17-Mar-99, to lugnet.off-topic.fun)
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