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  #4  
Old 12-11-2004, 04:29 PM
Richard Cline
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Default Re: Annual Credit Report

In article <1102750485.014293.239910[at]f14g2000cwb.googlegroups.com> ,
"jt" <daft[at]hotmail.com> wrote:


My experience was exactly the opposite. The The Experian result came
through easily. Equifax would never let me get past their check
questions. They claimed that I did not have the proper address. I
guess that I am happy with the one result. There were a total of
thirteen financial checks although several were for accounts that have
beenclosed for years.

Dick


- quote -

> Interesting experience that I hope all are trying...
> My equifax went fine, but experion (sp?) just gave
> a blank page at the beginning; will save them for 4
> months hence. Equifax seemed to jump to wrong
> conclusions based on spotty reports, but since
> they weren't negative I can let them pass.
> There was one strange thing not in the report,
> but a dialogue beforehand. Asked me if I set
> up a mortgage 2 years ago (no) and if it was
> with certain banks for certain amounts.
> Same questions were asked when I set up some
> broker account online. Wonder if that was an
> attempted ID theft that they fended off and were
> trying to confirm. Maybe the rest of the story
> is in those other sites:
> > http://www.annualcreditreport.com/


  #3  
Old 12-11-2004, 09:04 AM
jt
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Posts: n/a
Default Re: Annual Credit Report

Interesting experience that I hope all are trying...
My equifax went fine, but experion (sp?) just gave
a blank page at the beginning; will save them for 4
months hence. Equifax seemed to jump to wrong
conclusions based on spotty reports, but since
they weren't negative I can let them pass.

There was one strange thing not in the report,
but a dialogue beforehand. Asked me if I set
up a mortgage 2 years ago (no) and if it was
with certain banks for certain amounts.

Same questions were asked when I set up some
broker account online. Wonder if that was an
attempted ID theft that they fended off and were
trying to confirm. Maybe the rest of the story
is in those other sites:

- quote -

  #2  
Old 12-06-2004, 09:44 PM
Brent D. Gardner, ChFC
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Posts: n/a
Default Re: Annual Credit Report

"MTW" <mtwingcpa[at]yahoo.com> wrote in message
news:31ceahF3a64kfU1[at]individual.net...
- quote -

> I ordered all 3 reports, but had a problem at the TransUnion site. They
> wanted me to confirm my "street address," which I tried to do several
> times, unsuccessfully, until it finally "timed out" on me. In retrospect,
> I think what they wanted was simply the street NAME rather than my
> complete street ADDRESS.
> So I had to place a phone call to order that report. The phone call was a
> royal pain because their voice recognition system didn't seem to recognize
> ~my~ voice. I was prompted to repeat everything several times until
> eventually transferred to a voicemail (sort of) system. I won't be
> surprised if I never receive that report! <grin

My experiences were similiar. The bureaus are NOT consumer friendly, but I
suspect they get a TON of phone calls.

Every lawyer I work with says it is better to communicate with them in
writing, which is fine with me, because I write a lot of letters every day.

The person that would not benefit from doing some cleaning up of their
credit bureau reports is a rare animal these days.

Brent D. Gardner, ChFC
Chartered Financial Consultant
http://members.cox.net/brentdgardner1378/
http://www.topgunproducers.com/

Si vis pacem para bellum!

"Be ever questioning. Ignorance is not bliss. It is oblivion. You don't go
to heaven if you die dumb. Become better informed. Learn from other's
mistakes. You could not live long enough to make them all yourself." - Hyman
George Rickover (1900-86), Admiral, US Navy, advocated development of
nuclear subs & ships

The Chartered Life Underwriter (CLU) and Chartered Financial Consultant
(ChFC), designations owned and exclusively offered by The American College,
signify the highest standards of academic study and professional excellence
in the financial services industry.

  #1  
Old 12-04-2004, 10:26 AM
MTW
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Posts: n/a
Default Re: Annual Credit Report

Bob Johnson wrote:

- quote -

> I requested one report, but the process did not go smoothly.
> Lots of ads for additional services, which you decline, then
> at the end I got a blank page instead of a report. Calling
> EQuifax resolved the problem, but I was hoping a phone call
> would not be needed.


I ordered all 3 reports, but had a problem at the TransUnion
site. They wanted me to confirm my "street address," which I
tried to do several times, unsuccessfully, until it finally
"timed out" on me. In retrospect, I think what they wanted was
simply the street NAME rather than my complete street ADDRESS.

So I had to place a phone call to order that report. The phone
call was a royal pain because their voice recognition system
didn't seem to recognize ~my~ voice. I was prompted to repeat
everything several times until eventually transferred to a
voicemail (sort of) system. I won't be surprised if I never
receive that report! <grin
However, I did succeed in receiving the other two reports online.

MTW



 
Old 12-04-2004, 10:26 AM
Brent D. Gardner, ChFC
Guest
 
Posts: n/a
Default Re: Annual Credit Report

"Bob Johnson" <goldsheet[at]nospamyahoo.com> wrote in message
news:973vq0d0j5pgujrcjia6afjmvc8km0j00h[at]4ax.com...
- quote -

> https://www.annualcreditreport.com/
> Most folks probably are aware free credit reports are available
> beginning Decembe r1forresidentoftheWesternstates.


You can obtain more free reports. For example, by disputing items that are
inaccurate.

Brent D. Gardner, ChFC
Chartered Financial Consultant
http://members.cox.net/brentdgardner1378/
http://www.topgunproducers.com/

Si vis pacem para bellum!

"Be ever questioning. Ignorance is not bliss. It is oblivion. You don't go
to heaven if you die dumb. Become better informed. Learn from other's
mistakes. You could not live long enough to make them all yourself." - Hyman
George Rickover (1900-86), Admiral, US Navy, advocated development of
nuclear subs & ships

The Chartered Life Underwriter (CLU) and Chartered Financial Consultant
(ChFC), designations owned and exclusively offered by The American College,
signify the highest standards of academic study and professional excellence
in the financial services industry.

  #-1  
Old 12-02-2004, 11:10 PM
Bob Johnson
Guest
 
Posts: n/a
Default Annual Credit Report

https://www.annualcreditreport.com/

Most folks probably are aware free credit reports are available
beginning December 1 for resident of the Western states.

I requested one report, but the process did not go smoothly.
Lots of ads for additional services, which you decline, then at the
end I got a blank page instead of a report. Calling EQuifax resolved
the problem, but I was hoping a phone call would not be needed.

One can request any or all three reports. I plan on getting one every
four months so I can keep on top of it over time.

- quote -

> From their site: "You are entitled to receive one free credit file
disclosure every 12 months from each of the nationwide consumer credit
reporting companies through the Central Source. It is entirely your
choice whether you order all three credit file disclosures at the same
time or order one now and others later. The advantage of ordering all
three at the same time is that you can compare them. (However, you
will not be eligible for another free credit file disclosure from the
Central Source for 12 months.) On the other hand, the advantage of
ordering one now and others later (for example, one credit file
disclosure every four months) is that you can keep track of any
changes or new information that may appear on your credit file
disclosure."


Best Regards,
Bob Johnson
http://www.goldsheetlinks.com
http://www.coinsheetlinks.com

 

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