Not that I know of. You can get your credit reports free from any of the three major credit bureaus if you meet one of the following Criteria: If you have been denied credit, insurance, employment, housing, or suffered some adverse action such as a reduction in a credit limit in the last 60 days. In some states you are entitled to a free credit report once within a calendar year. These states are Colorado, Georgia, Maryland, Massachusetts, New Jersey, and Vermont. In Georgia you can get two free reports per calendar year. You are entitled to one free credit report in all states, in a one year period if, you are unemployed and intend to apply for employment in 60 days, are a recipient of public welfare assistance, or you have reason to believe that the information in your credit file is inaccurate due to credit fraud. The costs for your credit reports vary but are generally a maximum of $9.20 each including sales tax. Equifax Credit Information Services, Inc. PO Box 740241 Atlanta, GA 30374-0241 www.equifax.com 1-800-685-1111 TransUnion LLC Consumer Disclosure Center PO Box 1000 Chester, PA 19022-2001 www.tuc.com 1-800-888-4213 Experian PO Box 9600 Allen TX 75013-9600 www.experian.com 1-888-397-3742
Sure, see the FAQ under "credit monitoring services". Sign up for the free month of Credit Expert, and CreditWatch for Ex and Eq...then cancel in 28 days. Then check your TU report through Worthknowing (I know folks will say it sucks but it will tell you whats on your TU report). There may be others like eloan that give you a free TU credit report online too if you cancel in time, but I am not 100% sure they give you TU (anyone confirm?). HOWEVER, I recommend when you get your FIRST reports to start off your credit repair journey, that you order directly from the source as Erik posted above. You can get them cheaper in some states, free in some other states, and free if you have been denied credit. It is always better to get the information straight from the horses mouth. -Peace, Dave
Okay GREAT! Thank you! Will they also provide me with their FICO score when I go to each one for a separate CR? Or is that with another service?
Read the FAQ on: Where do I get the scores Understanding Fico scoring and Erik's post on: The difference between the scoring methodologies and names -Peace, Dave
