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Question by rwr: How do I prevent my credit report being pulled without my permission? My credit report says I have too many credit report inquiries. How do I stop that?
Answer by candi h That basically means that you have been actively seeking credit rather it be from renting, credit cards, lent etc. You have granted these companies the right to place a “inquiry” on your report by filling disclosing the application and submitting it. The only way you tin restoring it is stop applying for credit. These inquiries will fall off after two years on your report.
Question by June Baby: How can you get your credit report without joining a club and give out your credit card number? All of these free credit report on the internet require your credit card info and want oyu to join a club which is totally crazy to me. If I need to join a club I would have asked for membership info. So there is no such thing as free credit reoprt at all?
Answer by bdancer222 AnnualCreditReport.com is the site mandated by the FTC to allow you online access to your free annual credit reports from each of the three credit bureaus. Reports are free; scores are not.CreditKarma.com offers a free score estimator based on your TransUnion credit report. It’s not FICO (the score creditors use). But it’s kinda, sorta like FICO, give or take 50 points or so. Good enough if you are just curious about your score.
Question by moreninobr: Is there a way of disputing Experian wrong information without buying their report? I have a monitoring system with Citibank and they informed me that Experian has a wrong address for me. I already have the report, but to dispute it, Experian wants me to buy their own report. Does anyone knows how to dispute without buying their report.
Answer by bud68 Yes – just go to their web site and submit a written dispute to the address given.
Know better? Leave your own answer in the comments!
Question by Martita T: I would like to recieve a free credit score without a credit card.? I would like to recieve a free credit score, but i dont have a credit card…Is there any way for me recieve this without a credit card.
Answer by newjerseyguy Not over the internet. www.annualcreditreport.com gives free reports but all of the bureaus charge for the FICO scores. You might be able to get your bank or credit union to run your credit for you without charge.
Question by stackybokus49: Other than the free credit report one tin get without cost, what others are reputable.? I couldn’t get my annual free credit report because my bank used it. What others are out there that I can use to repair my credit.
Answer by redwine the bank pulling your credit report has no impact on your ability to get your free credit report. Go to annualcreditreport.com to get it. tba
Question by sftkses06: What website offers a free credit report without a credit card? I would like to print a copy of my credit report without having to use a credit card. Ive heard of some free websites. Can you help
Answer by Mariposa http://www.annualcreditreport.com
Question by mimiyangca007: Where can I obtain my yearly free credit report without giving my credit card info? Are we entitled to an annual free credit report? WHERE can I get it? I went to Equifax website, but it asked me for my credit card info. I don’t feel comfortable to give out my credit card info if it is a free why they ask for credit card number?
Answer by CatDad You can get a free credit report at http://www.annualcreditreport.com – This is the real free site to get your credit report once a year without a credit card. – NOT freecreditreport.com
Question by trrocks03: How can I check my credit report for free without signing up for a program online? I know there are dozens of sites that offer a free credit report where you must sign up for a free 30-day trial of some program that monitors your credit. Is there any site that doesnt need this subscription? If not, is this method safe?
Answer by LondonDiva https://www.annualcreditreport.com/ The only one that will really give you a free anual report without subscription.
Question by Katie: Where can I find a free credit report without a credit card? How can I find a free credit report without having to use a credit card number. I don’t own a credit card. Is there any one that is FREE and doesn’t require a credit card.
Answer by Dana P Try http://www.annualcreditreport.com It’s free but it does’nt include your credit hit. Hope I helped.
Question by Tim: How do you lower your credit limit without lowering your overall credit score? I have only have one revolving credit card, and I have a selfsame high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit rim decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?
Answer by missoctober003 I say keep the cards open because with a low balance on the card and a richly limit it definitely make your credit look break. Don’t worry about having that much credit in your name unless you plan on purchasing a loan from a bank. You aren’t using the card anyway, right?
Question by Bobbie: I would like to recieve a free credit score without paying? I would like to recieve a free credit score, but i dont want to pay…Is there any way for me recieve this without paying
Answer by bulabate NO but i have a place that will help you a lot that is FREE!http://www.credit.com/It will tell you what category your score is in Low/Good/Excellant and project-out a portfolio that explains what areas to work on etc.
Question by Eythan: Where can I get a free Credit score without having to sign up online? I want to have a Credit score without signing up for a free trial online. CAN YOU HELP ME!
Answer by bdancer222 You can get free annual credit reports from each of the three credit bureaus online thru AnnualCreditReport.com. The reports are free, scores are not.You can buy your real FICO tally at MyFico.com. Never pay for non-FICO score.CreditKarma.com and Quizzle.com both offer free score estimators. They are not FICO but are within 50 points or so. Good enough if you are just curious about your score.
Know better? Leave your own answer in the comments!
Question by It’s Me CartoonHead: What’s the best website to go to get a FREE credit report without the hassles? No BS about entering a credit card so you will have to deal with them trying to charge you for other crap. I just want my free report.
Answer by airbornelite www.doubleudotdotdotdouble.com
Question by Rick V: How do I get a real free no strings attached credit report without having to sign for a free trail? Every time I try to get a free credit report, I’m told to sign up for a free trail period and after that my credit card would be charged unless I notify them to cancel. I just want the free report without all the red tape and not have to sign up for a monthly fee.
Answer by My Take on It http://www.annualcreditreport.com
Question by bafrisio: Where can I get all 3 credit reports online without having to sign up for a membership? I am planning on filing for bankruptcy and need credit reports for me a my wife. I wear’t desire to join a credit watch program. I jst want to be able to pay and print off all the reports and be done with it.