Write Lightning is a blog from writer Deb Thompson.
Everyone is welcome here.
(Some links or topics may not be completely kid-appropriate.)
Everyone is welcome here.
(Some links or topics may not be completely kid-appropriate.)
Wed, Aug 17 2005
Free Credit Report-Not Free Credit Score
I guess there is still a lot of confusion about what comes on one's free annual credit report. The FTC put up an information page that outlines consumers' rights in this area. We've had free reports available in the West for several months, but as of September 1 folks in all states and U.S. territories can get a free report. The FTC is cautioning that only one site, AnnualCreditReport, is the official web site from which to request your free report.
My own spouse misunderstood all this when he got his free report and noted that they had omitted his credit score. It turns out that the credit score is not part of the free report. Your credit score information must still be purchased, either from AnnualCreditReport, or from one of the three major credit reporting companies: Equifax, Experian or TransUnion.
posted at: 07:08 | category: /Miscellaneous | link to this entry
I guess there is still a lot of confusion about what comes on one's free annual credit report. The FTC put up an information page that outlines consumers' rights in this area. We've had free reports available in the West for several months, but as of September 1 folks in all states and U.S. territories can get a free report. The FTC is cautioning that only one site, AnnualCreditReport, is the official web site from which to request your free report.
My own spouse misunderstood all this when he got his free report and noted that they had omitted his credit score. It turns out that the credit score is not part of the free report. Your credit score information must still be purchased, either from AnnualCreditReport, or from one of the three major credit reporting companies: Equifax, Experian or TransUnion.
posted at: 07:08 | category: /Miscellaneous | link to this entry
