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Author: UtahStockMom Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 127714  
Subject: Free Credit Scores Date: 10/2/2012 12:28 PM
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Okay, there ARE free credit scores you can receive annually. BUT it's inconvenient. Not real inconvenient, but not as easy as a "click". If you do it with a click, you'll end up with a "membership" (this is true for all even the freecreditreport.com group)

THIS is the only way to actually get your free credit report. Print this form out http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal....
and fill it out and mail it in (yes, snail mail).

I'm currently battling my bank to get back my "fees"--you don't want this for a hobby. Do what I wish I'd done and just go buy a stamp and an envelope.
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Author: foo1bar Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 124327 of 127714
Subject: Re: Free Credit Scores Date: 10/2/2012 12:41 PM
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Okay, there ARE free credit scores you can receive annually. BUT it's inconvenient.
Scores?
Or credit report?
They ARE different.

THIS is the only way to actually get your free credit report. Print this form out http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal....
and fill it out and mail it in (yes, snail mail).


http://www.annualcreditreport.com/ works just fine if you want a free credit report
You don't have to do snail-mail for it, but you can.
To confirm that annualcreditreport.com is the truely free one, see:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm
And watch that you are careful what link you click on - sometimes the bureaus make it easy to find the pay-them-money-for-scores/protection/whatever link, but the free report link is not as prominant.


If you really want to see your scores, my recommendation is to find a friendly loan broker, and talk to them about giving you a copy of the report they pull when you are refinancing your house or whatever. (I think it costs them a few bucks, but if you're refinancing with them, they'll make that back and then some - and they have to pull a report anyhow when you're refi'ing.)

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