Credit Tips: Does Free Credit Report Affect Credit Rating?

Posted On: January 1, 2006

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Posted: Fri Sep 10, 2004 1:54 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Brower
Date: 3/30/2001 2:22 pm CDT

I read in “Credit secrets that shouldn’t be secret ”
that you can get a free credit report from the “Big Three”
and it wouldn’t effect you credit report ??
is that true?
Thanks for any advice.
Brower

archive
Posted: Fri Sep 10, 2004 1:54 pm
Post subject: Does Free Credit Report Affect Credit Rating?
Linda in VA
Date: 3/31/2001 0:33 am CDT

Getting your own credit report doesn’t necessarily affect your credit, it is not reported as an inquiry. However, I have read that it can affect your credit score. Who knows, since all of the scoring factors (the controversial ones) may not have been made public.

You can get trans union’s report for free at http://www.worthknowing.com -mine was current when I got it there.

You can get a free report under certain circumstances under the FCRA. Go to http://www.equifax.com and they tell you under what circumstances they will give it to you free. Be careful about picking a reason for a free one - IMHO - like you suspect fraudulent activity - it might get you a “hawk” alert, I don’t know.

Experian (formerly TRW) is at http://www.experian.com

The trans Union and Equifax reports are available online. Experian uses snail mail only.

Same deal at chexsystems:

http://www.chexhelp.com/english/publik/index.htm

They report on your check writing/banking activity.

And get this, hehe, I am an insurance agent. There is a “credit bureau” where an insurance company can check to see if I owe any insurance company money. I have to keep tabs on that one too. It’s a full-time job. whew!!

archive
Posted: Fri Sep 10, 2004 1:55 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Mom
Date: 4/1/2001 9:04 am CDT

The trans Union and Equifax reports are available online. Experian uses snail mail only.

Actually Trans Union can be ordered online, but it is sent snail mail. Equifax and Experian both offer online reports, Experian will give you free report online instantly if you were denied credit (60 days), Equifax will allow you a free report if you were denied you can order online, BUT they mail it to you. TU you have to call if you have been denied.

archive
Posted: Fri Sep 10, 2004 1:56 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Linda in VA
Date: 4/1/2001 11:45 am CDT

I just got my EFX online, along with my beacon score. You can view it for 30 days. Maybe they changed it since you got yours, Mom?

Had to go through ID verification over the phone, so have some CC and loan information ready. They asked me my limits on 3 cards, info on car payment, what accounts I have, etc.

archive
Posted: Fri Sep 10, 2004 1:57 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Mom
Date: 4/2/2001 9:45 am CDT

Yes I know equifax is available on line got my score as well. But I believe if you were denied credit and equifax was used you can only receive your free report by mail, where Experian let’s you receive your free report online.

Credit Tips: Does Free Credit Report Affect Credit Rating?

Posted On:

archive
Posted: Fri Sep 10, 2004 1:54 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Brower
Date: 3/30/2001 2:22 pm CDT

I read in “Credit secrets that shouldn’t be secret ”
that you can get a free credit report from the “Big Three”
and it wouldn’t effect you credit report ??
is that true?
Thanks for any advice.
Brower

archive
Posted: Fri Sep 10, 2004 1:54 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Linda in VA
Date: 3/31/2001 0:33 am CDT

Getting your own credit report doesn’t necessarily affect your credit, it is not reported as an inquiry. However, I have read that it can affect your credit score. Who knows, since all of the scoring factors (the controversial ones) may not have been made public.

You can get trans union’s report for free at http://www.worthknowing.com -mine was current when I got it there.

You can get a free report under certain circumstances under the FCRA. Go to http://www.equifax.com and they tell you under what circumstances they will give it to you free. Be careful about picking a reason for a free one - IMHO - like you suspect fraudulent activity - it might get you a “hawk” alert, I don’t know.

Experian (formerly TRW) is at http://www.experian.com

The trans Union and Equifax reports are available online. Experian uses snail mail only.

Same deal at chexsystems:

http://www.chexhelp.com/english/publik/index.htm

They report on your check writing/banking activity.

And get this, hehe, I am an insurance agent. There is a “credit bureau” where an insurance company can check to see if I owe any insurance company money. I have to keep tabs on that one too. It’s a full-time job. whew!!

archive
Posted: Fri Sep 10, 2004 1:55 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Mom
Date: 4/1/2001 9:04 am CDT

The trans Union and Equifax reports are available online. Experian uses snail mail only.

Actually Trans Union can be ordered online, but it is sent snail mail. Equifax and Experian both offer online reports, Experian will give you free report online instantly if you were denied credit (60 days), Equifax will allow you a free report if you were denied you can order online, BUT they mail it to you. TU you have to call if you have been denied.

archive
Posted: Fri Sep 10, 2004 1:56 pm
Post subject: Does Free Credit Report Affect Credit Rating?

Linda in VA
Date: 4/1/2001 11:45 am CDT

I just got my EFX online, along with my beacon score. You can view it for 30 days. Maybe they changed it since you got yours, Mom?

Had to go through ID verification over the phone, so have some CC and loan information ready. They asked me my limits on 3 cards, info on car payment, what accounts I have, etc.