Get a Free Credit Report by Filing a Fraud Alert
I wrote the other day about getting free access to your credit report by signing up for a 30 day free trial from TrueCredit. I’ve also written in the past about how to place a fraud alert on your credit record.
Today’s hot tip is that, if you’ve used up your free credit reports from annualcreditreport.com, and if you don’t want to mess around with free trial offers, then… You can get a free credit report from all three credit bureaus simply by filing a fraud alert.
Note that you won’t get instant access but, within a few days, all three credit reports will show up in you mailbox. The downside is that for the following 90 days, potential creditors will have to contact you before extending credit.
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I actually had to file a fraud report before (for legitimate reasons) and the reports eventually came. However, I think Equifax had me send in extra identifying information. Transunion sent me a print out of my report while Experian told me I can access it online.
Then again, it was quite awhile back so I don’t remember the specifics. The good thing is you only need to file the fraud alert with one credit bureau and it’ll automatically be forwarded to the other two.
Comment by EN — Jul 11th 2008 @ 9:37 pm