I saw the site and didn't know if I could trust them? Has anyone else used them?
top Ad Widget
Collapse
Announcement
Collapse
No announcement yet.
Has anyone used AnnualCreditReport.com?
Collapse
X
-
Yes. I have used them. They are the site to go to for your yearly free annual credit report. You will get your credit reports. Mine were revealing, confusing, and well.. mine.Chapter 13 Filed "Old Law"
Filed: 6/2003 Confirmed: 3/2004
Early pay off sent: 10/05/2007 - 9 months early
11/16/2007 - Discharged!
-
The Federal Trade Commission recommends them - http://www.ftc.gov/bcp/conline/pubs/...eereports.shtm
Annualcreditreport.com is most definitely legit and reliable. Other outfits who offer services around credit reports and credit repair are not. It's good that you are being careful and checking this out first - good for you!I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
Comment
-
Originally posted by chpxiii View PostIrprn, that government site points to annualcreditreport.com.I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go
Comment
-
Originally posted by lrprn View PostExactly why I posted the FTC link to annualcreditreport.com so that SouthernBelle could see they really are legit and trustworthy!Chapter 13 Filed "Old Law"
Filed: 6/2003 Confirmed: 3/2004
Early pay off sent: 10/05/2007 - 9 months early
11/16/2007 - Discharged!
Comment
-
I got the credit report the annualcreditreport.com. I went to get all three of them and my computer locked up a few minutes after I got to the sight (for experien AND transunion). I had to hard boot my computer and now it says I've already accessed them. Sure would be nice if it said it was "free for a day" instead of a one time viewing.
Pffft.
Does anyone know if it goes in a 12 month cycle or is in just yearly??? (meaning, I checked it in August of this year..... can I check it in January of next year or do I have to wait until August again?)
Comment
-
Originally posted by HeatherB View PostI got the credit report the annualcreditreport.com. I went to get all three of them and my computer locked up a few minutes after I got to the sight (for experien AND transunion). I had to hard boot my computer and now it says I've already accessed them. Sure would be nice if it said it was "free for a day" instead of a one time viewing.
Pffft.
Does anyone know if it goes in a 12 month cycle or is in just yearly??? (meaning, I checked it in August of this year..... can I check it in January of next year or do I have to wait until August again?)
I've actually wondered the same thing.Filed: 10/26/2006
Discharged: 03/05/2007
Closed: 5/19/2008 - Asset case due to balance transfer and income tax refund
Comment
-
You should of saved the report number, because you can access it again up to 30 days, as I'm doing now, as I've had to dispute a few things on Experian and Trans Union. I could not access Equifax, (I think they were down). Its really cool, because just after a week had gone after disputing items, I noticed the update on my reports!
Best to you, CatchmeifyoucanJuly 2006: Filed Ch13 :blink:
Oct 2006: Converted to Ch7 :clapping:
Jan 2007: DISCHARGED :clapping:
Nov 2007: CLOSED :yahoo::yahoo::yahoo:
Comment
-
Will the site allow you to print out your reports or just view them?Filed Chapter 7 (Primarily Business Expenses) 04/10/2008 FICO 468 :cry:
341 on 05/06/08:unsure:House appraisal on day 63:blink: 07/10/2008 Discharged-Asset Case!!!:yahoo:08/09 Transu 559, Equifax 636, Experian 647
Case Closed 07/15/2009 :D:yahoo:
Comment
-
Originally posted by southernbelle View PostWill the site allow you to print out your reports or just view them?
I suggest downloading and saving it to your computer because after 30 days you won't be able to reference it online.Chapter 13 Filed "Old Law"
Filed: 6/2003 Confirmed: 3/2004
Early pay off sent: 10/05/2007 - 9 months early
11/16/2007 - Discharged!
Comment
-
I printed mine out from there. I pretty sure it is 12 calender months. I only wish they would include your FICO!!
What is the best and most reasonable credit reporting agency that includes FICO? I'm going to sign up after discharge. Its odd as Im only three weeks post 341 and getting CC offers at 0%! maybe they have my pre BK files....
WAMch7 8/07 CLOSED: 11/07 Rebuilding and saving.
WAMU unsecured $2,000 Capital One unsecured $500
PAID OFF MONTHLY!!!
Comment
-
Originally posted by whatamess View PostI printed mine out from there. I pretty sure it is 12 calender months. I only wish they would include your FICO!!
What is the best and most reasonable credit reporting agency that includes FICO? I'm going to sign up after discharge. Its odd as Im only three weeks post 341 and getting CC offers at 0%! maybe they have my pre BK files....
WAM
Also, creditors know that if you've recently filed for bankrupcty, you can't file again for a looooooooooong time and that many times people are eager to get credit again. So they're trying to entice you back into the game.Chapter 13 Filed "Old Law"
Filed: 6/2003 Confirmed: 3/2004
Early pay off sent: 10/05/2007 - 9 months early
11/16/2007 - Discharged!
Comment
bottom Ad Widget
Collapse
Comment