Some time ago, Congress passed a law mandating that all nationwide consumer credit reporting companies (Equifax, Experian and TransUnion) provide annually a copy of our credit report for free. Those in the western part of the county can now take part in that service by going to annualcreditreport.com. Those like me in the Midwest have to wait until next March. If you are in the South, you have to wait until next June and if you are in the East, you have to wait until next September. It sucks that people have to wait, but I suppose they are trying to work out the kinks of the program before going nationally. Either way, I am looking forward to getting my free copy. It seems like every company out there is now reporting to these credit-reporting companies so I want to make sure that everything on mine is correct. More importantly, I want to make sure that no one has hijacked my credit.
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December 13, 2004 at 2:16 pm
FREE IS NOT REALLY FREE.
YOU HAVE TO SIGN UP AND PAY FOR A ONE YEAR SUBSCRIPTION TO THEIR PROGRAM. FREE ONLY IF YOU
CANCEL THE ORDER WITHIN THIRTY DAYS.
TALK ABOUT MERCHANDISING THE GOOD OL AMERICAN STYLE. (Then try to cancel. It takes hours of
phone calling before you can do it.)
December 1, 2004 at 1:15 pm
I wish I knew about this a few days ago. I just paid to get my credit report (through TransUnion) for the first time in my life this weekend.
Now I looked at my Equifax report and, big surprise, they are big differences. These credit reporting companies are horrible and since so much is on the line, it’s time to set them straight. Thanks, Ursula.