For Americans: Your Free Credit Report

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This is the real deal: https://www.annualcreditreport.com/

You're now allowed one free credit report a year, so you choose one of the credit reporting agencies. Experian seems to be the fastest, they gave me the info online, immediately.

I bought into the new terror and figured some Nigerians were buying jetski's in my name. But, alas, there's nothing at all: no negative, no "accounts in good standing," I'm just off the books, though it did show when I (unsuccessfully) applied for a motorcycle loan a couple years ago.

― andy --, Tuesday, 1 March 2005 20:26 (twenty years ago)

You can get abridged free credit reports every three months by reporting identity theft.

― donut debonair (donut), Tuesday, 1 March 2005 20:33 (twenty years ago)

"The page cannot be found
The page you are looking for might have been removed, had its name changed, or is temporarily unavailable."

Given that this message is in English and my system is set up to show such messages in English, this looks kinda dubious.

― Colin Meeder (Mert), Tuesday, 1 March 2005 20:34 (twenty years ago)

...in German, duh.

― Colin Meeder (Mert), Tuesday, 1 March 2005 20:41 (twenty years ago)

It's legit. I've used it before last year, worked like a charm.

― Ned Raggett (Ned), Tuesday, 1 March 2005 20:42 (twenty years ago)

Seems to work fine. Is it true that asking for a credit report can adversly affect your credit score?

― andy --, Tuesday, 1 March 2005 20:43 (twenty years ago)

Yes.

When I tried to get mine a while back, it basically said "There's a problem, you'll need to give us more info, here's a form." They won't admit if they don't have you on their records; they try to make it fairly difficult for you to get your records; and they are certainly using this to get information on more people. Ah well.

― Casuistry (Chris P), Tuesday, 1 March 2005 20:58 (twenty years ago)

Doesn't work from Australia. Maybe its blocked to outsiders. Like the mil.gov domainspace is to us?

― Trayce (trayce), Wednesday, 2 March 2005 01:05 (twenty years ago)

seven years pass...

how do you go about getting a free credit report

― lil dirk (J0rdan S.), Wednesday, 17 October 2012 16:50 (twelve years ago)

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