I have a method to share with anyone who is interested in having unlimited access to their Experian report free of charge. Not just some two-bit offshoot associate bureau but the actual Experian....Free, Forever. The good one that is updated daily. First you must be willing to accept a 90 day credit fraud alert on your file as the free route requires that you claim potential fraud. You can remove the potential fraud alert directly after recieving your free report and lifetime access number though. If you chose not to remove the fraud alert it will stay on your report for 90 days. The fraud alert simply requires creditors to contact you prior to issuing any new credit. Heres the dealeo: First you go to the Experian.com Fraud alert page http://www.experian.com/fraud/ Follow the directions as you will have to enter all of your information. You will then recieve immediate access to your report...Unlimited access with a full listing of your accounts along with the ability to dispute online! You will be able to see all the Soft and Hard pulls along with all of your account ibfo and personal info. You can even add a personal statement to report from this site...For Free! They will give you a 10 digit number, DO NOT LOSE THIS NUMBER!@!! as it will allow you infinite access and the ability to repull your Experian report every single day for..FREE! After you get the number from the intial fraud alert site you simply go to: http://www.experian.com/consumer/ And click on the View report again or dispute link, at this point you will be able to watch your Experian bureau every day and see who is pulling your bureau's in the secretive "Soft-Zone". Heres what mine looks like. Experian credit report prepared for XXXXX XXXXXX Credit Report Toolkit: Print your report Credit Education Know your rights Credit Fraud Center Your report number is XXXXXXXXXX Report date: January 13, 2007 Report Summary NOTE: Print this page or write down your report number and date for future access. To return to your report in the near future, log on to www.experian.com/consumer and select “View your report again” or “Dispute” and then enter your report number. • There are 0 potentially negative items in your report. What if I want to dispute an item in my report? • You have 20 accounts in good standing in your report. • Check the recent requests for your credit history. • Check your personal information. • Check your personal statement. • Important message from Experian. • Contact us. • Know your rights. This is the good stuff folks.....
I only had to get a report from them last year and have checkefor free every since. Never had to do a fraud alert.. I pull my wifes report the same way.. Our reports had the 10 digit # and thats what I use..No special tricks or methods. frioguy
The "Backdoor" Fraud alert method is really more for the folks who may not have a Credit Card...Or are just cheap as Hell and want it for free!
