Annual Credit Report Service

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I'm overseas in the Army and I need a legit credit report. I know of one website, annual credit report.com, but when I go there it realizes I'm overseas cause of my IP address and says that their service is only for US customers. I need to know if there is a legit service out there that pulls from all 3 credit unions and what their website is. Please ensure that they are legit...thx

Best Answer

Try going directly to each credit report site. They are listed below. If the problem you are having is your IP address, try using a VPN network. I have the same problem with some sites, because I live in the Philippines. You can visit http://strongvpn.com/ for information on the service that I use. I think it costs $45 for the first three months, and you can get better rates on renewal. It sets you up with an IP address in San Francisco and may also speed up your Internet connection. If you are planning to buy a house, you might be able to get a mortgage broker to run your credit and provide a copy to you. I could do this for you, but you would need to contact me via email, and provide identity verification documents before I would run the report, due to liability issues. The VPN is probably your best bet. Anyway, good luck with this.

I checked my free annual credit report and it is showing me like I have never been employed. Even though I have been designing websites and I make good money with my services. How do I report the jobs I am getting so that it shows me as employed? And what information do I need to provide?

Best Answer

Usually when you apply for credit and put down self employed on the application or if you update your employment status with your current creditors, they will update the info to the CRA's. You can also send a letter to the CRA's yourself and request that they update your employment status in the personal section on your reports.

I have requested my annual credit report through the annualcreditreport website, but I'm not sure when should I expect my report, will this be through postal office mail or my personal email address. I have call them to find out, but they don't have customer service assistance. What should I do, to ensure they receive my personal information and this is a secure website.

Best Answer

AnnualCreditReport.com is the annual free report and it is a secure site: https://www.annualcreditreport.com/cra/ helpfaq#sitesecure It is not emailed because email is not secure. You either view it online instantly or it is sent to you in the mail. (Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.) That depends on how you requested your report. It sounds to me like you'll be receiving it through postal mail. They do have a phone number listed, but it may be automated, just for ordering reports... 1-877-322-8228 Hope this answers your question!

I applied for a credit card while shopping at Sears. My shopping was charged against this card. But the company entered my address incorrectly in their system. I was said the card will be sent to me in two weeks time. I had no refference of account number. This happened in Oct-2007. When I reviewed my annual credit report I noticed, the card is active and I had owed 250 USD for the Sear-Citi card for more than 30 days. I was shocked, because I never got a bill from them. I called the customer service to verify what happened, they admited to have my address record as incorrect in their system. I paid my outstanding balance thru phone. Now, do I have a chance to get rid of this non-payment record from the credit report. I belive that I have been victimised by an incorrect data entry, please advice.

Best Answer

Call the card issuer, they can update the record with the credit bureau, or you can dispute it through the credit bureau. From no on now that they have the correct address and considering on time payments it will show positive on the report.

Can anyone tell me where you can go online and get your annual credit report for free? Without using a credit card or signing up for a service? Thanks

Best Answer

www.annualcreditreport.com is the only place you can get it free once a year (no credit card, NOTHING)