where can i get a no frills, no BS free credit report?

[IgnoreMe 5,000+ posts]

im not to up on this stuff, or any financial or credit stuff in general. all i know is i pay my bills on time, and i would like to know my credit score.

i have heard from people that just checking your credit score can effect it. and i have also heard that you can check it with certain sites and it wont.....

i dont know about either one lol.

is there even such a thing as a free credit report? only one i know of is that stupid freecreditreport.com commercial i see on tv.

basically what im asking is right in the title, i just need a legit site that wont steal or sell my info.

Click to read more...

 

[azbass 5,000+ posts]

no such thing as a no frills, no BS free credit report

 

[iagrdshaka 5,000+ posts]

♪ Free Credit Report Dot Com ♪

 

[BassBallin]

freecreditreport.com

i used it and nothin happend to me

 

[duece212 5,000+ posts]

https://www.annualcreditreport.com/cra/index.jsp

 

[2002XLT 5,000+ posts]

you need to know someone who can pull it. And even then it will slightly effect the score, no big deal really. I got mine from my girlfriend who works at a mortgage company.

 

[IgnoreMe 5,000+ posts]

the whole credit bs is a load of...bs

your forced to deal with credit scores, yet you cant find out what it is without taking a hit. wtf

 

[duece212 5,000+ posts]

you need to know someone who can pull it. And even then it will slightly effect the score, no big deal really. I got mine from my girlfriend who works at a mortgage company.

You can pull it for free once a year from the site I listed, and it doesn't affect your score at all.

If you want your credit report and score, which will cost you money go to http://www.myfico.com which also doesn't affect your score.

 

[Chevillac 5,000+ posts]

♪ Free Credit Report Dot Com ♪

wrong

freecreditreport.com

wrong

https://www.annualcreditreport.com/cra/index.jsp

correct

you need to know someone who can pull it. And even then it will slightly effect the score, no big deal really. I got mine from my girlfriend who works at a mortgage company.

self inquiries dont effect it. It doesnt show up. They break down the type of inquiries you have.

 

[duece212 5,000+ posts]

the whole credit bs is a load of...bs
your forced to deal with credit scores, yet you cant find out what it is without taking a hit. wtf

You can check it without it hurting your score, when you pull it yourself it has no impact. Creditors can't see how many times or when you pull your own credit report

 

[SuperTrooper 10+ year member]

transunion.com

 

[IgnoreMe 5,000+ posts]

wrong
wrong

correct

self inquiries dont effect it. It doesnt show up. They break down the type of inquiries you have.

more info more info!

 

[duece212 5,000+ posts]

creditboards.com

great place to read

 

[Chevillac 5,000+ posts]

more info more info!

go to the link deuce212 posted. and hold on, ill check my credit report right now and tell you how its broken down. Its liek 3 or 4 categories.

creditboards.com
great place to read

Word. Lots of info though. You have to really know what you are looking for. Or just be there to read everything.

ok so this is 100% legit?
like i wont have some guy from russia buying counterfeit ipods to sell to his neighborhood?

100% legit and free, you are entitled to one free per year.

 

[IgnoreMe 5,000+ posts]

https://www.annualcreditreport.com/cra/index.jsp

ok so this is 100% legit?

like i wont have some guy from russia buying counterfeit ipods to sell to his neighborhood?