Credit Reports

[SDHousehunter]

Costco.com has identityguard.

Good price for executive members.

[La Jolla Renter]

Your best bet it to go to each reporting company separately.

experian.com
equifax.com
transunion.com

Each one costs about 15 bucks each with the fico score for each.

You are able to get a copy of your credit report once a year from each for free, but it does not give you the score.

[La Jolla Renter]

Your best bet it to go to each reporting company separately.

experian.com
equifax.com
transunion.com

Each one costs about 15 bucks each with the fico score for each.

You are able to get a copy of your credit report once a year from each for free, but it does not give you the score.

[La Jolla Renter]

Your best bet it to go to each reporting company separately.

experian.com
equifax.com
transunion.com

Each one costs about 15 bucks each with the fico score for each.

You are able to get a copy of your credit report once a year from each for free, but it does not give you the score.

[La Jolla Renter]

Your best bet it to go to each reporting company separately.

experian.com
equifax.com
transunion.com

Each one costs about 15 bucks each with the fico score for each.

You are able to get a copy of your credit report once a year from each for free, but it does not give you the score.

[La Jolla Renter]

Your best bet it to go to each reporting company separately.

experian.com
equifax.com
transunion.com

Each one costs about 15 bucks each with the fico score for each.

You are able to get a copy of your credit report once a year from each for free, but it does not give you the score.

[Doofrat]

Rather than paying for the identity protection products, you can easily file your own fraud alerts. I know, it used to be difficult, but it’s really easy now. You can do it online at the second link, or even easier, by phone at the first link. The phone call takes you through an automated system and takes only about four minutes and creates an alert on all three bureaus. I was researching the sites you pay for because I’ve had to file a fraud alert before and it was a pain, but I needed something immediately, and found that the call in method was so easy, I didn’t need the pay systems. You just have to remember to re-do it every 90 days:

http://www.equifax.com/cs/Satellite/EFX_Content_C1/1165203975795/5-1/5-1_Layout.htm?packedargs=Locale%3Den_US
https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

[Doofrat]

Rather than paying for the identity protection products, you can easily file your own fraud alerts. I know, it used to be difficult, but it’s really easy now. You can do it online at the second link, or even easier, by phone at the first link. The phone call takes you through an automated system and takes only about four minutes and creates an alert on all three bureaus. I was researching the sites you pay for because I’ve had to file a fraud alert before and it was a pain, but I needed something immediately, and found that the call in method was so easy, I didn’t need the pay systems. You just have to remember to re-do it every 90 days:

http://www.equifax.com/cs/Satellite/EFX_Content_C1/1165203975795/5-1/5-1_Layout.htm?packedargs=Locale%3Den_US
https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

[Doofrat]

Rather than paying for the identity protection products, you can easily file your own fraud alerts. I know, it used to be difficult, but it’s really easy now. You can do it online at the second link, or even easier, by phone at the first link. The phone call takes you through an automated system and takes only about four minutes and creates an alert on all three bureaus. I was researching the sites you pay for because I’ve had to file a fraud alert before and it was a pain, but I needed something immediately, and found that the call in method was so easy, I didn’t need the pay systems. You just have to remember to re-do it every 90 days:

http://www.equifax.com/cs/Satellite/EFX_Content_C1/1165203975795/5-1/5-1_Layout.htm?packedargs=Locale%3Den_US
https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

[Doofrat]

Rather than paying for the identity protection products, you can easily file your own fraud alerts. I know, it used to be difficult, but it’s really easy now. You can do it online at the second link, or even easier, by phone at the first link. The phone call takes you through an automated system and takes only about four minutes and creates an alert on all three bureaus. I was researching the sites you pay for because I’ve had to file a fraud alert before and it was a pain, but I needed something immediately, and found that the call in method was so easy, I didn’t need the pay systems. You just have to remember to re-do it every 90 days:

http://www.equifax.com/cs/Satellite/EFX_Content_C1/1165203975795/5-1/5-1_Layout.htm?packedargs=Locale%3Den_US
https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

[Doofrat]

Rather than paying for the identity protection products, you can easily file your own fraud alerts. I know, it used to be difficult, but it’s really easy now. You can do it online at the second link, or even easier, by phone at the first link. The phone call takes you through an automated system and takes only about four minutes and creates an alert on all three bureaus. I was researching the sites you pay for because I’ve had to file a fraud alert before and it was a pain, but I needed something immediately, and found that the call in method was so easy, I didn’t need the pay systems. You just have to remember to re-do it every 90 days:

http://www.equifax.com/cs/Satellite/EFX_Content_C1/1165203975795/5-1/5-1_Layout.htm?packedargs=Locale%3Den_US
https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

[SDEngineer]

myfico.com (run by Fair Isaac) is the only place you can get your “real” FICO scores – however, even then a lender may be looking at a different score (Fair Isaac also provides “enhanced” scores to lenders tailored to their industries such as the mortgage-enhanced or auto-enhanced scores, and those you can’t see).

Some data (like DOFD if you’re interested in when a negative will drop off, or full contact/account info for creditors) is only available from the credit reporting agency directly (experian.com, transunion.com, equifax.com). These sites will also offer you a score for a price, but the scores are NOT FICO scores, and may be siginificantly different than your real FICO scores (the scores offered by companies other than Fair Isaac are known collectively as FAKO scores).

I pull my FICO scores from myfico.com every few months to check the score, and every year pull the free report directly from the CRA (using http://www.annualcreditreport.com) to have the full record.

[SDEngineer]

myfico.com (run by Fair Isaac) is the only place you can get your “real” FICO scores – however, even then a lender may be looking at a different score (Fair Isaac also provides “enhanced” scores to lenders tailored to their industries such as the mortgage-enhanced or auto-enhanced scores, and those you can’t see).

Some data (like DOFD if you’re interested in when a negative will drop off, or full contact/account info for creditors) is only available from the credit reporting agency directly (experian.com, transunion.com, equifax.com). These sites will also offer you a score for a price, but the scores are NOT FICO scores, and may be siginificantly different than your real FICO scores (the scores offered by companies other than Fair Isaac are known collectively as FAKO scores).

I pull my FICO scores from myfico.com every few months to check the score, and every year pull the free report directly from the CRA (using http://www.annualcreditreport.com) to have the full record.

[SDEngineer]

myfico.com (run by Fair Isaac) is the only place you can get your “real” FICO scores – however, even then a lender may be looking at a different score (Fair Isaac also provides “enhanced” scores to lenders tailored to their industries such as the mortgage-enhanced or auto-enhanced scores, and those you can’t see).

Some data (like DOFD if you’re interested in when a negative will drop off, or full contact/account info for creditors) is only available from the credit reporting agency directly (experian.com, transunion.com, equifax.com). These sites will also offer you a score for a price, but the scores are NOT FICO scores, and may be siginificantly different than your real FICO scores (the scores offered by companies other than Fair Isaac are known collectively as FAKO scores).

I pull my FICO scores from myfico.com every few months to check the score, and every year pull the free report directly from the CRA (using http://www.annualcreditreport.com) to have the full record.

[SDEngineer]

myfico.com (run by Fair Isaac) is the only place you can get your “real” FICO scores – however, even then a lender may be looking at a different score (Fair Isaac also provides “enhanced” scores to lenders tailored to their industries such as the mortgage-enhanced or auto-enhanced scores, and those you can’t see).

Some data (like DOFD if you’re interested in when a negative will drop off, or full contact/account info for creditors) is only available from the credit reporting agency directly (experian.com, transunion.com, equifax.com). These sites will also offer you a score for a price, but the scores are NOT FICO scores, and may be siginificantly different than your real FICO scores (the scores offered by companies other than Fair Isaac are known collectively as FAKO scores).

I pull my FICO scores from myfico.com every few months to check the score, and every year pull the free report directly from the CRA (using http://www.annualcreditreport.com) to have the full record.

[Author]

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