credit report

[DPMOmaha]

It's been a couple of years since I've ran mine.  I have a pretty good idea of where I stand, but just wanted to double check it.  What's the best place to have it done.  I know I'm able to get it done yearly but didn't know what the best way to go about it is.  Anyone done it recently that would have a place they'd recommend?

[Nathan]

Q:   How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm

[DPMOmaha]

thanks.

[Nathan]

No problem

[imref]

i can't stress the importance of doing this at least once a year.  At a previous employer our secretary, who had access to all our personal info - SS #'s, DOB, you name it, opened up credit cards in several employee's names and ran up huge bills.   She had set up a PO box under a fake name to receive the statements so it couldn't be traced back to her.

Her scheme eventually exploded and she went to jail, but it was a mess for the people involved.  One found out when he went to buy a car, the other found out when he went to refinance his house.  Ever since then I've maintained a subscription to truecredit.com.  For about $90 a year they monitor three credit agencies and notify me if anyone accesses my credit report.  It's probably overkill, but I like having the peace of mind. 

[MarquisDeSade]

Not really, I do the same thing because of the type of work I do.  The last thing I need is some dumbazz stealing my identity to buy iPhones and carz from Eastern Motors.  It's a lot cheaper to pay $90/year and never need it then to try and untangle a mess of credit fraud later.

[HalfSmokes]

If you're not planning on opening new lines of credit, you can call the reporting agencies and ask them to put freezes on your account- it makes it more difficult to open a new line, but is a god solution if you don't plan on doing so

[Mathguy]

Thanks Nathan, for this information

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm

[CALSGR8]

Consumer Reports said the same thing!

[imref]

If you're not planning on opening new lines of credit, you can call the reporting agencies and ask them to put freezes on your account- it makes it more difficult to open a new line, but is a god solution if you don't plan on doing so

i think there's a time limit on that though?  so you have to renew it from time to time.

[HalfSmokes]

i think there's a time limit on that though?  so you have to renew it from time to time.

it varies by state

http://www.consumersunion.org/campaigns/learn_more/003484indiv.html

The one thing I will say is it makes certain things a pain in the ass. In addition to the obvious mortgage/car loan/credit card, you also have to un freeze to buy a cell phone, get cable tv... Still if you're pretty settled, it can be a good idea

[OldChelsea]

Some of the credit card companies themselves offer this service to cardholders - Discover offers this as part of its identity-monitoring service for just $7.99/month with free access to FICO score and Experian report.

[MarquisDeSade]

Straight cash, homey. That cracker az honky Uncle Sam keeps me unda 24/7 surveillance keeps me from running' into that kind of shiznit. The credit card dealio the OC was referring to is pretty boss though if you ain't under the thumb of da US AZZ.

[JCA-CrystalCity]

Straight cash, homey. That cracker az honky Uncle Sam keeps me unda 24/7 surveillance keeps me from running' into that kind of shiznit. The credit card dealio the OC was referring to is pretty boss though if you ain't under the thumb of da US AZZ.

Can somebody translate this stuff?

[blue911]

Can somebody translate this stuff?

Barbara Billingsley

[JCA-CrystalCity]

Barbara Billingsley

yabut that was over 20 years ago.  Or was it 30.  I don't know if she took refresher courses.

[saltydad]

Damn that was a long time ago. The definition of 'beaver' has sure changed.

[Nathan]

[MarquisDeSade]

Can somebody translate this stuff?

Check your PM, my attempt at obfuscating a valid point failed.

[imref]

wouldn't you know it - my credit card company just called, someone tried to charge about $2k worth of stuff to my card in Chicago last night. 

[MarquisDeSade]

wouldn't you know it - my credit card company just called, someone tried to charge about $2k worth of stuff to my card in Chicago last night. 

Sorry about that, I was out of cash and that eight ball was just calling me.

[Nathan]

Time to check mine