About credit reports Anchorage

When applying through AnnualCreditReport.com, the site first asks consumers for their about credit reports Anchorage state of residence and then opens a form seeking their name, address, date of birth and Social Security number. Consumers must then select which of the three credit reporting agencies (CRAs) from which they wish to obtain their free credit report. Once selected, consumers are redirected to an Experian, Equifax or TransUnion site. They ask questions about one of your active credit accounts (i.e., What is the typical balance about credit reports Anchorage paid on a mortgage that you hold?

With which financial institution do you hold the loan?). This is to help verify that they have the correct person's credit report. Below is a sampling of public comments made to the FTC about proposed regulations of come-ons for free credit reports. First, give the free credit about credit reports Anchorage report, THEN ask for the credit card information.

-- Robert Konrath, Florida The official site should not be cluttered with confusing ads ...

I ignore them, because I worry that my security may be jeopardized when I'm steered away from the report I'm entitled to under current law. But I have retired friends who have been suckered into paying for additional about credit reports Anchorage information. free credit rating report -- Jack McGarvey, Arizona A few years ago, when 'free' reporting was required, I fell for the 'freecreditreport.com' scam. I was deceptively led into providing my credit card number (falsely understanding that it was needed to prove identity) and then received multiple billings on my credit card from the 'service' provider. Removing the charges from my credit card proved as easy as pulling teeth. -- Evan Julber, Oregon I think this is a rip-off of hard working people. If you are not careful you will end up paying $30 a month.

-- Carl Thomas, Nebraska about credit reports Anchorage As a gerontologist, I witness older adults becoming confused about 'freecreditreport.com' when in fact it is a paid service to monitor one's credit activity.

-- Dee Wadsworth, Texas Please remove all of the unavoidable options for costly reports. --Richard Stevens, Maine Obstacles clutter 'free' path After that, the selling starts. free credit report online The Equifax order process, for example, starts with an offer to view your FICO score once for $7.95 when you receive your free credit report. Another offer on the same page pitches a service for two in-depth FICO about credit reports Anchorage scores for $7.95 per month. Consumers must click No thanks on that offer page before they can continue processing their request for a free credit report. Other services are pitched through the checkout process and consumers who do not want to pay additional fees must be careful about credit reports Anchorage not to select any of the products. The FTC wants all of those advertisements removed from the process. Under the proposed rules, the agencies would have to wait until after consumers receive their free reports to contact them for additional paid services. James Odell of Virginia said the easiest about credit reports Anchorage part of getting his free credit report online in October 2009 was selecting which of the three credit bureau reports he wanted. After that, I found it quite confusing trying to stick strictly with the free site when it kept giving links to other places and advertising ads, Odell wrote in his comment. Make this form simple: Remove all the ads and you get your credit report within minutes!

IF people want their credit score or other services they can get them after the 'free' credit report is shown to them online. oregon free credit report

Rules go too far, industry group says In the five years since the free credit report rules went into effect, about 150 million free credit reports have been sent to consumers, according to comments filed by Stuart Pratt, president and CEO of the Consumer Data Industry Association (CDIA), a trade group representing the major credit reporting bureaus. The group contends the FTC is overstepping its authority by banning special offers and ads while free credit report requests are processed. The rule's coverage ends once a consumer requests the free file disclosure; it does not extend beyond that point, Pratt asserts. In about credit reports Anchorage addition, the group argues, banning the ads violates the bureaus' right to free expression.