use Perl

• Free Credit Reports (Score:2)

  by ziggy (25)

  The free credit reports at the federal level may be rolling out west->east, but some states already have statutes that require the same thing. Maryland residents have been entitled to a free annual credit report for a couple of years now.

  There is one reason why you would want to pay for your credit report though -- if you wan to see your credit score. There are a couple of ways around that, of course. You should be able to get a look at it if you do anything major financially, like get a mortgage or
  • Re:Free Credit Reports (Score:2)

    by merlyn (47)

    Or, my favorite trick... apply for something you're not likely to get (like American Express Plutonium or something), and they'll send you a rejection notice. The credit bureau listed on the rejection notice is required to give you a full disclosure of your credit report by law, for free.

    --
    

    • Randal L. Schwartz
    • Stonehenge
    • Re:Free Credit Reports (Score:2)

      by ziggy (25)

      That application and rejection is also tagged onto your credit report, and can have an adverse impact. So, would you rather pay the $30, or do some damage your credit rating by scaming a free score?
      • Re:Free Credit Reports (Score:1)

        by ajtaylor (1283)

        Ziggy's absolutely correct to a degree. IIRC, up to about 4 inquiries (within 6 months?) don't hurt you. One inquiry isn't going to hurt you.

        And you don't need to pay $30 for an individual report. You can get a single bureau report from myfico.coma for $15, and it includes the real FICO score. I also use a service called MyCreditKeeper.com to get a merged report from all 3 bureaus. It lets me pull as many reports as I want, as often as a I want. It isn't so good about getting information to contact the c

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