why do we have to pay to see our credit reports?
by admin ~ January 25th, 2006 . Filed under: Personal Finance .
m_kentch asked:
how can i see my credit report without paying a monthly fee? i already did my annual credit report for free and can’t look at it again. we shouldn’t have to pay to see something that has our personal information on it. anyone agree? i don’t wanna pay for my report. i just want to see my score. HELP!!!!
Livia Dewaratanawan
how can i see my credit report without paying a monthly fee? i already did my annual credit report for free and can’t look at it again. we shouldn’t have to pay to see something that has our personal information on it. anyone agree? i don’t wanna pay for my report. i just want to see my score. HELP!!!!
Livia Dewaratanawan
January 26th, 2006 at 12:46 pm
The score is not include in any free credit report. The score you pay usually right around $7.00 for. You don’t even get the score included when requesting a free credit report by mail. In the future, when you access your free credit report online, you can print it or do what I do and take screen shots on my computer for future reference.
Mary in Camden, MI
January 27th, 2006 at 11:16 am
If you’re turned down for any type of credit, you’re entitled to a free credit report.
January 27th, 2006 at 4:12 pm
Your best bet is to find a website that offers free credit reports. Usually, you have to give credit card information and start paying a certain fee if you don’t cancel after a certain period of time. Just make sure you cancel it before your time is up. Oh, and print the report.
January 29th, 2006 at 3:12 pm
I agree with you - we should be able to see our credit report for free, more often than once a year. … I can understand them not letting people look 10 times a day. But what’s wrong with letting us look every 3 months or so? … What’s worse is that for some kind of security reasons, I can’t even see my free credit report online! I think it’s because I reported a fraudulent charge in 2005.
Anyhow, I can tell you how I found out my credit score. I went to the bank and told them that I am having some legal problems and may need a loan for a few thousand dollars. (which was the truth) I made it clear that I was not applying for a loan at the time - I just needed to know if I would qualify in the event that I did need a loan. They went through the loan application process and when they got to the part where they check out my credit history, I just asked. They weren’t allowed to give me a copy of my credit report, but the guy did verbally tell me what debts I have and what my credit score was. … That’s the only way I have found to check on that for free.