Can you really trust getting a credit report from sites like, freecreditreport, equifax or experian.com?
Bob S asked:
I feel that giving out personal info to those websites, experian ect.. may just make real what I am trying to avoid. However, I have been told that my credit wasn’t good, but I don’t know why. I have like 0 debt. I need to know why i have bad credit. Where do people go to get a credit report that is 100% safe?
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I feel that giving out personal info to those websites, experian ect.. may just make real what I am trying to avoid. However, I have been told that my credit wasn’t good, but I don’t know why. I have like 0 debt. I need to know why i have bad credit. Where do people go to get a credit report that is 100% safe?
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November 16th, 2008 at 7:47 am
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..freecreditreport.com is a safe and legitimate site….and if you are still in doubt contact the BBB.
November 16th, 2008 at 8:57 pm
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The only legitimate 100% safe place to check your credit for free is through. You get an annual report from each bureau (there are 3) one time a year and you check for mistakes or any suspicious accounts that could be a sign for identity thefts.
November 18th, 2008 at 2:09 am
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There is no reason to go to any other site than
This is the site that the US Government recommends so you know it’s scam free.
November 18th, 2008 at 7:26 am
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There is no place that is 100% safe. There are degrees of safe. Honestly, your safer getting your own report online at Equifax or one of the top 3 CRAs then involving a person you do not know in it.
Credit is not about how much you owe and in many cases having no debt can lower your credit “score”. I highly recommend you learn more about what makes credit scores and how they are figured.Experian has a nice website that teaches individuals how they figure scores.
also has some great information and answers on this subject.
November 19th, 2008 at 3:49 pm
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If you have no revolving accounts and no debt, that does create low credit scores, because you are not using your available credit and/or your available credit has been maxed out and creditors see you as abusive. So, lets say you have one credit card with $10,000 owed and you have a $12,000 limit, you are considered dangerous because you have used too much of what was made available for you. So, even though $10,000 of debt is very low by todays standards, it shows that you have come very close to taking what banks will offer you, which means that $10,000 is a lot of debt for you because it is very close to your max. And to properly answer your first question, none of these credit reports are ever 100% accurate. They usually are missing information which can either be positive for you in the long run, if they do not pick up on bad accounts, but it is usually very negative. Credit bureaus also tag wrong accounts to reports all the time by mistake. Sometimes someone has a similar name or address and the information is misallocated.
November 20th, 2008 at 8:12 pm
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Equifax, Experian, and Transunion are the three major credit unions. They already have all your credit info.
FreeCreditReport.com is owned by one of the credit bureaus. When you get your report at that site, you sign up for their monitoring service — it’s difficult to terminate before the 30-day trial is up. There are other similar sites owned by the credit bureaus.
Go to AnnualCreditReport.com. It is approved by the FTC and is the only really free site to access your credit report online for all three credit bureaus.
November 22nd, 2008 at 5:32 am
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