Comments on: Request & Check Your Specialty Reports Annually

By: audra

audra — Tue, 15 Nov 2011 06:35:04 +0000

i know this will likely benefit a lot of people. but here we go again giving the information that they may not necessarily need. you would think they would be able to look this stuff up using your name the right and wrong spelling of it. and your birth month and date as well as address history. sounds to me like that should be enough. how many june smiths born on october 5 and has lived in boise, idaho and myrtle beach. i mean really what is the likely hood of finding duplicate files there. they just need to less intrusive ways to get people’s information to them so they can correct it or ask to have it deleted.

By: daemondust

daemondust — Wed, 30 Sep 2009 21:46:41 +0000

Am I the only one who has a problem with giving these companies information about myself they might not already have?

For example, to get the choicepoint file I would have to send a copy of my driver’s license (telling them if I wish to be a donor, what driving restrictions I might have, etc) and something along the lines of a billing or bank statement, possibly giving them information on how much I spend and where.

Nowhere on any of the forms or associated documentation does it say how this information will be used, so I can only assume it will be used to augment and verify their database as well as “verify” I am who I say I am when requesting their report.

By: Ryan P Smith

Ryan P Smith — Tue, 09 Jun 2009 21:48:06 +0000

Great Post, There are sometimes surprising things on the CLUE Report.

By: Deloris

Deloris — Sat, 30 May 2009 18:24:11 +0000

There are 3 free credit reporting agencies. They all have pretty much the same information, so mark your calendar: go on-line for a report from agency #1 in January, agency #2 in May, and Agency #3 in September. This way you get a fresh report every 4 months.

By: thomas

thomas — Thu, 28 May 2009 01:08:00 +0000

Oops. I knew I forgot something on Daylight Savings.

By: Bargain babe

Bargain babe — Wed, 27 May 2009 22:50:18 +0000

Interesting, I never knew this info was available. I’m going to link to this on my blog, bargainbabe.com. Very useful!

By: John

John — Wed, 27 May 2009 11:58:18 +0000

Capital One likes to send me a rejection letter, some FACT act later, saying that I didn’t qualify for a credit limit increase because my credit report didn’t look swell.

Bank of America is supposed to do that as well when they reject me but they don’t, damn lazy asses.

Anyway, when they send you a FACT act letter, you can get a free credit report… muhahah

By: DDFD at DivorcedDadFrugalDad

DDFD at DivorcedDadFrugalDad — Wed, 27 May 2009 11:45:52 +0000

Requesting your reports should be an every six month thing- like changing the batteries in your smoke detectors . . .

By: javi

javi — Wed, 27 May 2009 03:11:29 +0000

Thanks for the info! Got some work to do now.

By: Live Money Smart

Live Money Smart — Wed, 27 May 2009 02:30:36 +0000

Excellent info, I didn’t realize those reports could be obtained also.

By: thomas

thomas — Tue, 26 May 2009 20:12:34 +0000

Wow, never really knew (or remembered) about these reports. It’s also pretty scary to know so many companies have information about you.

By: Jim

Jim — Tue, 26 May 2009 17:47:45 +0000

No, it’s considered a “soft inquiry” and doesn’t affect your score. Only “hard inquiries,” where lenders pull your report to make a lending decision, count against your score.

By: williamsti

williamsti — Tue, 26 May 2009 16:38:04 +0000

Is it true that when you request your credit report that you are “dinged” against your score?

By: eric

eric — Tue, 26 May 2009 15:48:10 +0000

Bookmarked! I knew about these reports but never got around to checking them. Thanks for the reminder.

By: Paul @ FiscalGeek

Paul @ FiscalGeek — Tue, 26 May 2009 15:25:27 +0000

Awesome information, thanks for compiling it all in one location gathering my paperwork now.