My Free Credit Report
Nowadays, with the economy the way it is, many people can’t even get a new credit card or a car loan even with good credit. For anyone who has a few problems with past due accounts and a questionable payment track record, you need to know what all the credit bureaus are saying about you. You should be thinking, “Where can I get my free credit report”?
However, you need to plan ahead. You don’t want to wait till the last minute to find out you won’t be driving home in that sleek little black convertible you’ve been drooling over for the past week.
Almost all states will provide you with one free credit report each year. However, in order to get your free credit report you must fill out specific information online and then wait for the report to be mailed out to you. This could take up to three weeks.
If you’re in a hurry your best bet is to sign up with one of the credit reporting agencies online. Remember – your goal right now is to just see your report and check it for errors. Most companies and the three credit reporting bureaus have various membership programs that allow you a short trial period in which to review your report – and that’s all you want.
Of course, they offer many additional services in addition to just giving you your credit report, and this is the reason they charge a membership fee – you are paying for these ongoing services.
Once you see your credit report you can cancel your membership. They don’t exactly make it easy to do this, however. Companies that offer this type of membership service while advertising that you can get your free credit report make you use a credit card to sign up. Then when you want to cancel, they never seem to answer the phone or respond to email requests to do that.
So what happens? You may get charged for the first month. If you do, and if the company or credit bureau won’t refund your money, go directly to your credit card company and explain the problem. Provide them with copies of emails you sent along with a copy of the free trial period information on their website. Most credit card companies will see to it that you receive a credit if you can prove to them you attempted to cancel within the allotted timeframe.
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