BamaTanya Posted February 2, 2008 Share Posted February 2, 2008 What is a legitimate, free service? Haven't seen ours since we moved several years ago. tia Quote Link to comment Share on other sites More sharing options...
Darcy in FL Posted February 2, 2008 Share Posted February 2, 2008 Yes, we do check ours about once a year. In the last several years-- a law has been enacted that you can receieve one free credit report a year from all three credit bureaus. Here is a link to their information: Annual Credit Report HTH! Quote Link to comment Share on other sites More sharing options...
Sandy in Indy Posted February 2, 2008 Share Posted February 2, 2008 Absolutely...but I didn't until I found out my dh's identity had been stolen. Now I watch very carefully! Quote Link to comment Share on other sites More sharing options...
Claire Posted February 2, 2008 Share Posted February 2, 2008 Yes, we do check ours about once a year. In the last several years-- a law has been enacted that you can receieve one free credit report a year from all three credit bureaus. Here is a link to their information: Annual Credit Report HTH! Thanks for that website! Do you order all three credit reports at one time and compare them? Quote Link to comment Share on other sites More sharing options...
Darcy in FL Posted February 2, 2008 Share Posted February 2, 2008 Thanks for that website! Do you order all three credit reports at one time and compare them? You are more than welcome! I actually order them one at a time and at different times of the year so we can keep an eye on our credit throughout the year. HTH! Quote Link to comment Share on other sites More sharing options...
BamaTanya Posted February 2, 2008 Author Share Posted February 2, 2008 So: you can get one from EACH company once per year? And, do you check yours and dh's at the same time? Or are they linked together? tia Quote Link to comment Share on other sites More sharing options...
Sandra in NC Posted February 2, 2008 Share Posted February 2, 2008 We use annualcreditreport.com to get a free credit report. Since you can order one from each of the three credit bureaus, we order one every 3 or 4 months -- using a different credit bureau for the report each time. Did you know you can opt-out of prescreened credit card offers permanently? https://www.optoutprescreen.com/?rf=t We did this and now we don't get any credit card offers at home! Yay! And of course, there's the Do Not Call list at https://www.donotcall.gov/register/Reg.aspx. Registration lasts only 5 years, so it wouldn't hurt to re-register all your phone numbers now and be set until 2013! Quote Link to comment Share on other sites More sharing options...
Liz CA Posted February 2, 2008 Share Posted February 2, 2008 What is a legitimate, free service? Haven't seen ours since we moved several years ago. tia We once had an entry on ours that said we had taken a loan out in 1976 - that would have been at a rather tender age. LOL All kinds of errors can end up on your report. We're checking twice a year, also due to the fact that 2 years ago, my purse was stolen with all kinds of credit cards in it. Cards were deactivated but have checked carefully ever since. Quote Link to comment Share on other sites More sharing options...
Nestof3 Posted February 2, 2008 Share Posted February 2, 2008 I use the same site mentioned here. I check my husband's and mine annually. I even checked our 17 year old's last year just to make sure some extended family didn't do something with his social security #. Quote Link to comment Share on other sites More sharing options...
Darcy in FL Posted February 2, 2008 Share Posted February 2, 2008 So: you can get one from EACH company once per year?And, do you check yours and dh's at the same time? Or are they linked together? tia Yes, you can get one from EACH company - once per year FREE! I usually get mine and dh at the same time but you could do them at different times if you prefer. The reports are done individually-- not together. Quote Link to comment Share on other sites More sharing options...
Claire Posted February 3, 2008 Share Posted February 3, 2008 Did you know you can opt-out of prescreened credit card offers permanently? https://www.optoutprescreen.com/?rf=t We did this and now we don't get any credit card offers at home! Yay! And of course, there's the Do Not Call list at https://www.donotcall.gov/register/Reg.aspx. Registration lasts only 5 years, so it wouldn't hurt to re-register all your phone numbers now and be set until 2013! I didn't know about the opt out website. Thanks for these website addresses! I have bookmarked all of them for future use. Quote Link to comment Share on other sites More sharing options...
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