2 free annual credit reports within a year?
by admin ~ October 29th, 2008 . Filed under: Credit .
Steven asked:
I know annualcreditreport.com offers free credit reports every year. I just got one from Experian March 2008, but I later realized, after looking at my old file, that I got one from Equifax on Oct 2007. Will they charge me for this???
Romona Marinella
I know annualcreditreport.com offers free credit reports every year. I just got one from Experian March 2008, but I later realized, after looking at my old file, that I got one from Equifax on Oct 2007. Will they charge me for this???
Romona Marinella
November 1st, 2008 at 11:43 am
They can’t charge you if you did not provide a credit card.
If you check more than once per year it could negatively affect your credit.
Typically, you pull all three reports at one time. It sounds like you only pulled one bureau at a time.
I have tried going back prior to the year and pulling a credit and on AnnualCreditReports.com it notifies you that you will have to pay a fee to re pull your credit again. This happened to me about 2 years ago.
You can find more detailed information about credit, how it is scored and other credit “secrets” on my site here:
November 4th, 2008 at 9:18 pm
Probably not.
But did you realize that EVERY time anyone checks it, your score drops a bit?
Try not to check unless completely necessary.
November 5th, 2008 at 6:02 am
No, you get one from EACH of the three bureaus per year. You just can’t get another from the same bureau until 12 months have passed.
November 8th, 2008 at 4:53 pm
No. You get 1 per year from EACH bureau. Since the two that you have recieved are from different bureaus AND different years ~ you’ll be OK……….
Also someone else said “But did you realize that EVERY time anyone checks it, your score drops a bit? Try not to check unless completely necessary.
This only applies to a creditor inquiring into your file ~ When you check your credit file it doesn’t hurt you…….you personally could check your report everyday if you wanted and it still wouldn’t effect you…..all the credit bureaus will tell you the same thing…that checking your own credit file will not hurt you…this is even printed on your report in the disclosures ~