11 ms·

This is exactly why you are legally entitled to receive a copy of your credit report every year. You can challenge anything on it, and have incorrect informati

This is exactly why you are legally entitled to receive a copy of your credit report every year. You can challenge anything on it, and have incorrect information removed.

phkahler 10y ago
That had to be made explicit in law precisely because the companies don't want you to have it.
jerf 10y ago
When mentioning this, I find it helpful to include this page: https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report https://www.ftc.gov/faq/consumer-protection/get-my-free-cred... If you are one of the people just finding out about this today, and you Google "free credit report", you come up with a loooot of bad, scammy links. This is how you get your legally-mandated, really free, annual credit report, starting from an ftc.gov address so you know it's really the right one.
- sshumaker 10y ago
  Credit Karma is legit and free. Also gives you your credit score and credit monitoring (all free). (Disclaimer: I work there).
  - dublinben 10y ago
    To be fair, the credit score (VantageScore 3) you provide is not the credit score (FICO) most people are interested in, and that is used for most credit decisions.
  - phkahler 10y ago
    So how do they make money? Who pays you?
- deleted 10y ago
  [deleted]
zoner 10y ago
Not in the EU (or at least not in The UK where I currently live).
- asherkin 10y ago
  Yes you are, it'll cost you £6 in processing fees to go to all 3 agencies. http://www.experian.co.uk/consumer/statutory-report.html http://www.experian.co.uk/consumer/statutory-report.html https://www.equifax.co.uk/Products/credit/statutory-report.html https://www.equifax.co.uk/Products/credit/statutory-report.h... http://www.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report http://www.callcredit.co.uk/consumer-solutions/your-credit-r... You can alternatively use the free online services: Noddle use data from Callcredit, and Clearscore use data from Equifax - I don't think there is a free service exposing Experian data.

This is exactly why you are legally entitled to receive a copy of your credit report every year. You can challenge anything on it, and have incorrect information removed.

phkahler 10y ago

That had to be made explicit in law precisely because the companies don't want you to have it.

jerf 10y ago

When mentioning this, I find it helpful to include this page: https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report https://www.ftc.gov/faq/consumer-protection/get-my-free-cred... If you are one of the people just finding out about this today, and you Google "free credit report", you come up with a loooot of bad, scammy links. This is how you get your legally-mandated, really free, annual credit report, starting from an ftc.gov address so you know it's really the right one.

sshumaker 10y ago
Credit Karma is legit and free. Also gives you your credit score and credit monitoring (all free). (Disclaimer: I work there).
- dublinben 10y ago
  To be fair, the credit score (VantageScore 3) you provide is not the credit score (FICO) most people are interested in, and that is used for most credit decisions.
- phkahler 10y ago
  So how do they make money? Who pays you?
deleted 10y ago
[deleted]

zoner 10y ago

Not in the EU (or at least not in The UK where I currently live).

asherkin 10y ago
Yes you are, it'll cost you £6 in processing fees to go to all 3 agencies. http://www.experian.co.uk/consumer/statutory-report.html http://www.experian.co.uk/consumer/statutory-report.html https://www.equifax.co.uk/Products/credit/statutory-report.html https://www.equifax.co.uk/Products/credit/statutory-report.h... http://www.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report http://www.callcredit.co.uk/consumer-solutions/your-credit-r... You can alternatively use the free online services: Noddle use data from Callcredit, and Clearscore use data from Equifax - I don't think there is a free service exposing Experian data.