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Charging for credit reports

Hi. Sorry if this question has been asked before, but what is the justification in these credit reporting services charging US for our own information. I realize there is a minimum cost for getting a school transcript or something like that but these guys are charging close to $20 a month!

Are there ways to get these reports monthly for free without having to apply for a card or loan every month?

Thanks for your replies.

you are allowed 3 credit reports free a month (1 per agency). You can chose to pay for the credit score. What i do is i get 1 every 4 months for the report and every 6 months i pay for the score to see how i’m doing ( its about $5 depending on the agency). Here is the web address for the free creidt reports (keep in mind this is not the same one as they advertise on tv!!!)

www.annualcreditreport.com

Good Luck! 🙂

Also, I subscribe to myFICO® Identity Theft Security Deluxe at MyFico.com. The annual cost is $49.95. It will give me my FICO score and let know if anyone has checked my report, any of my cc’s go up or down signifcantly, etc.

Also, here in GA, you can get a free copy of your credit report from each of the 3 agencies twice a year. These do not include the FICO, but I can compare the other 2 to the one I get from TransUnion via MyFico.

That is one suggestion.

Whatever you do, don’t apply for a loan or credit card to get the report. Inquiries like that show up on your re report and can go against you.

The following states allow you to receive free report every month if you wish: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.

You can get this report by going to www.annualcreditreport.com and selecting your state.

If you live outside of those states www.myfico.com is one of the cheapest sites.

ALot more states allow free credit reports every year… 3 per years.. i know my family in maine and connecticut and i can in texas…. i’d just check out hte site and go from there:)

Wish we could in Florida. I just disputed some items on my credit and have not heard anything back about it and want to see if they have done anything to correct it.

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